vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank Keeps Locking my debit card wrongfully, and illegally a screenshot was sent to you guys showing I marked a transaction as valid via fraud text and your bank still kept my card locked and refused to monetarily compensate me for weeks of not having access to the monies in my card answer was sent on a cfpb complaimt about a prior issue with my account thats still not fixed! Your bank is ignorant. Us bank does not care for the customers doesn't like to fix the problems their bank creates and has horrible managing and or cooperate officers, and does show compassion for their customers. This problem was reported to the CFPB twice and you still failed to fix the issue! Your bank is a joke!

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 2021-12-21 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: MS

Complaint narrative:
Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: MS

Complaint narrative:
Fraudulent accounts and inquiries are furnished on my consumer report without my written permission as a result I'm a victim of identity theft. As a consumer I have the right to privacy of my personal 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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE
State: IN

Complaint narrative:
Hello, sorry for the late email, my schedule is hectic so I apologize in advance, my name is XXXX. I just received a letter from a debt collector called Hoosier Account Service, and I decided to visit the cfbp.gov debt collector website it listed, while going over the public information I realized that you mention several times that debt collectors must allot you 30 days to dispute the debt. I received several letters regarding different debts from these same collection agency and on all of them they give me less than 30 to respond to their dispute. Can I use this to get these disputes dismissed? Because they didn't follow this new law and give me the 30 days to respond? I can send a picture if its a necessity to fight them. Also is there a time period that they can not keep trying to collect after a certain period of time has passed? Thank you for your time and patience with me. Please respond asap I will need to respond in writing in the next few days. God bless!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
RentDebt Automation is reporting monthly an old rent debt as an active trade line collection to all three credit bureaus. 
When I spoke to RentDebt Automation on XX/XX/2021 the company shared that the debt was too old for a law suit or to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I was charged multiple times for the same thing and from same company..I tried disputing the charge since I did not recognize the transactions I also disputed some XXXX dollar charges that were continually charging my card for the same thing the same exact time as I was doing the other dispute.. 
.Bank of america quickly issued a credit for the XXXX dollar charges but did not Even investigate the high dollar amount claim..they quickly denied me ..I know they didn't investigate my card and its not right that they pick and choose what they want to do for us..

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 2021-12-21 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: GA

Complaint narrative:
XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2021-12-21 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:
XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-21 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hello. I had booked a flight in XX/XX/2020 for a trip in XX/XX/2020. Of course due to the very beginning of the pamdemic, I was not able to fly. XXXX airline refused to give a refund. I took a credit hoping things would improve in a few months. Things got worse. I had to go back and forth with XXXX to extend the credit several times hoping I could use it to avoid losing my {$200.00}. Over a year and half later, we are still in a crisis. It is not safe to fly esp with the new variants and numbers rising with people getting sick. I reached out to XXXX numerous times. I reached out to XXXX XXXX XXXX  and they too refuse to help. Not fair to pay for a flight that I did not and CAN NOT take. I made dispute claims with credit card company. Sent letters. Submitted documents. And no response. Finally on XX/XX/XXXX I received an email from XXXX stating the previous representative you spoke with has already submitted a request for a refund, and the case is now being reviewed. Refunds may take up to 7 business days to reflect back on your account. Please follow up with your bank or credit card company in about a week for the status of these funds. 

No refund has been given to me account. I followed up with XXXX XXXX aka XXXX XXXX. It's been 3 weeks and no answer. 

Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgaging Service has lost four of my payments from the Cares Act program. The first payment was made end of XXXX. The check was cashed XX/XX/XXXX. The second was sent XXXX the third in XXXX. They have lost all the checks or applied to someone elses account. I have conferences call Shellpoint with the Cares Act people twice. I have called Shellpoint since XX/XX/XXXX almost every day with no resolution. I will now seek an attorney

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, two large transactions from unknown origins to me have been posted to my business account. When I contacted Chase, I was instructed to file claims - which I promptly did. Even though I explained to them that some of the trials transactions will give rise to someone withdrawing monies from the account, but the bank did not stop that from happening. Now, that monies in the amount of {$19000.00} have been UNAUTHORIZEDLY taken from the account, the bank refuses to reverse these transactions. In fact, I walked into a branch yesterday to try to resolve the issue, I was kicked out and told to never walk into that branch anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We went to Tennessee  and attended an event about timeshares. The even took forever and they consistently lied in order to make you stay longer and until you signed a document it felt as though you were in prisoned with no other choice and no ability or time to even think. Once we were out of there we called the next day after realizing that they lied to us about any and all of the dates they claimed were available to us if we signed up, " they just couldn't see it at the time, '' this was a lie as in fact I was able to see they had nothing avaible for the requested dates the same night we left. I immediately called and canceled all of it and even sent a certified letter stating this as well After arguing continuously with them they finally said they canceled it all and I have never heard anything other than that, except recently with something on my credit report saying a delinquency on an account and even my credit report I see, doesn't have it, but once requesting my credit reports through annualcreditreport.com, it showed up and I was able to see it. I have no balance with them and lost {$300.00} with them and did not even get the " free '' vacation that was mentioned if you just attended the event. 
This company is nothing but a scam artist and needs to be shut down.

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 2021-12-21 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
It appears Truist manipulated debit purchases to hammer me with overdraft fees. I went to bed last night with a balance of {$80.00} in my checking account. Some transactions were still pending however my balance already reflected what was already taken from my account. When I woke up I checked my account and It was overdrafted by {$2.00} however they charged me XXXX in overdraft fees. This isnt the first time Ive assumed something shady has happened. I strongly believe Truist like many other banks manipulate debit card transactions to maximize their profits from common people like myself with overdraft fees.

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 2021-12-21 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have received countless phone calls and text messages after I made sure that I don't need a reminder or any type of contact on the website. I have removed that feature a month ago and still experiencing harassment from the company. Attached to this complaint will show the number of text messages and phone calls I receive within days. This company is looking for payments of {$130.00}. Making it a total of {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A hacker accessed all my Citibank Accounts and use the XXXX function to do several unauthorized transactions : 1 ) Checking account ending XXXX On XX/XX/XXXX and XX/XX/XXXX a total of 9 XXXX transactions totaling $ {$4900.00} 2 ) Interest Checking account ending XXXX On XX/XX/XXXX a total of 3 XXXX transactions totaling {$2400.00} Citibank customer service never alerted us on those consecutive unauthorized transactions. A police report was given to Citibank, despites several phone calls and many hours spent asking for a report of their investigations, still Citibank hasn't provided proof of their investigations or refunded the amount stolen.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. Capital one refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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