vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
TransUnion keeps reporting that a bankruptcy was verified by the court and that its correct and then they update it as such. Ive been telling them for a few years that I have a letter from the court stating that they do not report to the credit bureaus but yet they keep saying its verified by the court. This is false information.

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
SUBJECT : SURPLUS ESCROW ACCOUNT WITH MY MORTGAGE COMPANY, ( MR. COOPER dba Nationstar Mortgage, LLC ) Around the first of XXXX, 2022, I checked the Mr.Cooper.com website, and found out that I had an " Escrow Surplus '' in my account. The website stated that this escrow surplus, in the amount of {$1500.00} would be mailed to me on XXXX XXXX. It is now XXXX XXXX, and I have not received the escrow surplus check, ( but, I have received other literature from them regarding refinancing, etc. ). On XX/XX/2022, I spoke with representative XXXX ( because I still hadn't received the check ), and she said to call back the morning of ( XX/XX/2022 ), if I hadn't received the check. I did call back, and I spoke with XXXX. XXXX stated that I should get the check by XX/XX/2022. At this point, I feel like I'm getting the run-around ( especially so since I've gotten other literature from them in a timely manner ). It's my understanding that it is illegal for a mortgage company to retain a surplus escrow, but my mortgage company, Mr. Cooper, is doing just that. 

CFPB, your assistance in helping me is appreciated. 

Thank you, XXXX XXXX, ( Loan Number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2014 {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TN

Complaint narrative:
I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Ive contacted Equifax on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as Equifax investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.

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 2022-02-11 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: GA

Complaint narrative:
My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that XXXX going go list on this complaint XXXX XXXX XXXX XXXX XXXX bank, XXXX co XXXX bank credit card XXXX XXXX XXXX XXXX destiny credit card Capital XXXX credit card These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as XXXX filing this complaint to consumer financial protection bureau to help with this situation please remove all,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Smith, Cohen & Rosenberg LLC
State: MA

Complaint narrative:
Smith , Cohen & Rosenberg LLC a Delaware debt collection company has been harassing me for a debt that was discharged in bankruptcy. A XXXX search return the addresses below. XXXX XXXX XXXX XXXX, DE, XXXX United States Phone XXXX ( XXXX ) XXXX. I have received. Repeated Phone calls emails even after I have informed them that debt is no longer collectible as I file for bankruptcy and said debt was discharged. They are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: MI

Complaint narrative:
I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a dispute and was credited before they took it back Suntrust bank sent me a email

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, thank you for trying to help me. On XX/XX/2022, I noticed several fraudulent checks that were withdrawn from my Suntrust checking account, totaling {$4000.00}. After a 60-minute hold with Suntrust 's fraud department, I was able to speak to someone who closed the account, opened a new account, and initiated a fraud investigation. I have not heard anything additional from Suntrust regarding the investigation, and both I and my local branch representative have waited hours on hold with Suntrust 's fraud department without a human ever answering the call. Suntrust states that their policy is to return stolen funds to accounts within 10 days, at least temporarily while the investigation proceeds ; my funds have not been returned to my account, and I am unable to speak to anyone at Suntrust regarding the investigation, as they are impossible to reach, even by their own branch employees. 

Suntrust is undergoing a merger, but this is no excuse to violate their own policies and to leave customers in this much of a bind, unable to contact anyone at bank in a reasonable amount of time. 

Please help if you can. 

Thanks!

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 2022-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
EXETER FIANCE HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! 
I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! 
NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! 

VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
on XX/XX/2022 I made a reservation for XXXX totally XXXX which includes XXXX in insurance. shorty afterwards I canceled the flight and insurance. I was toldthat my funds would go back to my card immediately because the funds where never transfered to the airline 's system.I called XXXX XXXX XXXX  days later to file a dispute, I was told to contact XXXX because they have a 20day hold on my account and since the charge is stil lpending I can not disputethe charges, I have called XXXX several times and they said the hold up ison XXXX XXXX card. Today whenI call XXXX XXXX  confirmed what XXXX said that the funds where never transfered tothe airline and the hold is on their end, but they refused to release my funds. I have spoke to several supervisors whohavehung up on me. i have requested for a manager to callme on several occassions, I'm been told that theres no manager only CSR and supervisors.I have asked several times to have a ticket submited for a call back and I have been denied. Because of these people I wasnot able to have all of things moved out of my old apartment and into my new apartment. I was being charged {$140.00} an hour, so still today I have things still in my apartment that needs to be moved and the landlord is still charging everyday that my things remain in the apartmentandthe garage.I am physically not able to move the items, due tothe factthat I was being charged i was trying to move as much myself as I could and I have been in bed for the last 2 days because of the pain.The bank has no reason tohold my money except for the fact they want to. I suppose they are making interest no matter how small the amount, I'm sure when they hold enough ofthe consumers small amounts for 20 days they have some kind ofbenefit other wise they would not be holding it

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 2022-02-11 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have an account with comenity XXXX, the company closed the account XX/XX/XXXX, so paying my account off by making payments on XX/XX/XXXX was my do date I was late, trying get the money together to pay the account off and that what I did I received a late payment fee which I knew that going to happen, so I call to ask if they would remove it because I wouldn't and can not pay for the late fee, the balance was XXXX and that's what paid because I know I would not the money to keep making payments so paid the balance they told since my account was close they couldn't remove late fee but they can add interest on the late fee and add a late fee for a none pay on the late fee just want to move on I don't have to paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

1 ) Santander Consumer USA XX/XX/XXXX 2 ) Santander Consumer USA XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX  XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXXXXXX XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 9 ) XXXX / XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 17 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 18 ) XXXX XX/XX/XXXX 19 ) XXXX XX/XX/XXXX 20 ) XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXXXXXX XX/XX/XXXX 22 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 23 ) XXXX XXXX XXXX XX/XX/XXXX 24 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 25 ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 26 ) XXXX XXXX XX/XX/XXXX 27 ) XXXX XXXX XXXX XX/XX/XXXX 28 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 29 ) XXXX XXXX XXXXXX/XX/XXXX 30 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 31 XXXX XXXX XXXX XX/XX/XXXX 32 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 33 XXXX XXXX XXXX XXXXXX/XX/XXXX 34 ) XXXX XXXX XXXXXX/XX/XXXX 35 ) XXXX XXXX XXXX 36 ) XXXX XXXX XXXX XX/XX/XXXX 37 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lawson Hamilton & Associates
State: MO

Complaint narrative:
This company, LAWSON HAMILTON AND ASSO, shows I owe a XXXX  agency {$670.00}. I remember this visit, from years ago, and I paid out of pocket in full. It was a terrible experience and XXXX never forget the visit. Since then, the actual company is out of business. The company name was " XXXX XXXX XXXX XXXX XXXX XXXX ''. I paid everything that day and owe them nothing. 

So when I saw this on my credit, on XX/XX/2022 I called Lawson Hamiliton and asked for some sort of detailed billing. Maybe I'm wrong and do owe it, I'm human. But I'm pretty sure I don't own the out of business a penny. They told me they don't have anything to show me. Nothing to validate this is real. 

So I decided to dispute it. I called up XXXX  and spoke to someone who put the dispute in for me. I told him in detail about this charge. I asked for some sort of proof, validatiaon, nothing. Well nothing changed. I feel this is a violation of the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: MI

Complaint narrative:
A checking account under my name was opened with PNC Bank. Also possibly XXXX XXXX. sometime in XXXX. Came to my attention on an XXXX report. Was reported to PNC and XXXX and XXXX XXXX. Also many attempts for credit info from various institutions. I have a credit lock placed on XXXX and XXXX. XXXX I have been. 
unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX attempted to charge my card before asking for my authorization, due to an insurance claim. I received a email of a declined transaction ( Attached ) and I informed XXXX they could not charge my card due to the balance and the insurance company will pay the bill. Four days later the transaction went through on my card. I did not sign up for over the limit protection, I did not authorize XXXX or Capital one to charge my card. Now my credit score went down and I'm being charged {$1300.00} that I didn't agree to. Can I please get some help in this matter. Capital one is giving me the run around.

Company response to consumer: Closed with monetary relief