vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
I am kindly asking you to investigate my case because I found accounts that are not mine and I do not know what to do about it. I know that sometimes bureaus posting misleading information without even checking however this misleading information just killing my report. Please remove these items after you check and investigate because its pure error or identity theft.

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 2021-05-18 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: FL

Complaint narrative:
I am kindly asking you to investigate my case because I found accounts that are not mine and I do not know what to do about it. I know that sometimes bureaus posting misleading information without even checking however this misleading information just killing my report. Please remove these items after you check and investigate because its pure error or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Benworth Capital Partners LLC
State: WI

Complaint narrative:
I applied for Ppp loan on XX/XX/XXXX I was SBA approved on XXXX. XXXX ( lender ) sent PromNote via XXXX on XXXX but I wasnt able to sign until XX/XX/XXXX. I sent several requests between XXXX - XX/XX/XXXX to XXXX and XXXX but only received automatic response. They dont have live person connections at this time. On XX/XX/XXXX I was in XXXX XXXX and on XX/XX/XXXX I was back to resubmission. I called SBA, emailed XXXX XXXX XXXX over 20 times with no response. I then received a document stating I submitted another 1 & 2nd draw on XX/XX/XXXX for {$41000.00} but XXXX had me sign and initial more documents for {$20000.00}. Finally SBA reached out to XXXX they stated I had a ACH issue I re entered my banking and then they stated that I had to identify myself again. Now XXXX have my status lender submitted to SBA I was told that wasnt true and XXXX stated time ran out SBA advised them to withdraw all unapproved applications. Im very confused and upset that I missed out on a chance to regain my business and finances. I was treated unfairly and now Im out of luck and there are people without a business that received both loans and got their bodies done. Im not going to express the stress and hopelessness that Im going through but I know this should be heard. Im listed as XXXX XXXXoan approved but I was never funded and told its too late. I fee its a problem when some of my clients got loans and I am unaware of any business they ever had. This isnt fair and no one care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America claims I did not have enough money in my account to cover the XXXX debit so they are reversing it, and giving me a {$35.00} overdraft on top of it. 

I have proof that at the time it was debited from my account, there was enough money to cover. 

Bank of America again using dirty tactics to pull the wool over customers eyes.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CA

Complaint narrative:
Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XX/XX/XXXX I received 2 post cards ( one for a checking account, one for a savings account ) in the mail from BB & T saying that I had requested them to consider authorizing and paying overdrafts on my ATM and debit card transactions. Since I did have a checking or savings account with BB & T I called them and said I thought they were setup in error. They turned it over to their fraud department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of identity theft along with all of the steps they were taking to secure the accounts. 

At their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX. 

I found it odd that 1 ) there was no inquiry from BB & T, soft or hard, to setup the accounts and 2 ) I did not receive any email/text alerts that these were added to my existing account. I find it very hard to believe a bank would not alert you if a new account was added to an existing mortgage account. 

Given the recent XXXX XXXX fraud where they were setting up accounts without their customers knowledge in order to hit targets, I wanted to see what exactly was used to establish these accounts ( given the lack of alerts ). 

On XX/XX/XXXX I called the number on the letter I received and asked for a copy of the documents used to setup the accounts and was today I would need a police report and that the police would have to subpoena them for the documents. I find it ridiculous that I would have to file a police report with my local police department to get a copy of documents which allegedly used my SS # and other personal information. 

I would like to receive copies of these documents to then see if I feel further action is required on my part. At the moment their unwillingness to share the documents seems suspicious to me.

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 2021-05-18 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: NC

Complaint narrative:
I submitted a dispute over information on my report which has taken over 30 days to investigate.

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 2021-05-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested annual free credit report on XX/XX/XXXX and only Equifax couldn't provide the report online. 

I logged in to their " myequifax.com '' and discovered that my current address in Equifax 's file is XXXX year old formal address. Incorrect current address denied access to annual free credit report. 

Frustrating fact is that I disputed this decade old formal address on XX/XX/XXXX, XXXX and Equifax closed dispute by correcting it on XX/XX/XXXX. 

It is XX/XX/XXXX and their latest credit report still has old address. 
It also indicating that previous requested credit report in print is sent to that old address to a stranger as well. 

Equifax lost my and my spouse 's private information in XXXX along with millions of other customers. Equifax apparently still do not manage these precious confidential information well or care enough to do so. 

I called in again today, XX/XX/XXXX over 30minutes on the phone to correct the address and even placed fraud alert to be alerted, the representative was very polite and professional but I didn't have to spend extra time and concern over this issue over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

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 2021-05-18 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: MO

Complaint narrative:
I emailed the CEO of XXXX XXXX XXXX XXXX and I also tried reaching out to Eqiufax who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose XXXX points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by XXXX points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
Dear Sunrise Collection / XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: IL

Complaint narrative:
Interest rates on this loan are way higher than those established under law by the state of Illinois. They also are not a licensed lender in the state of Illinois and are violating state usury laws. I have paid back greater than the principle balance on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: DISCOVER BANK
State: IN

Complaint narrative:
At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
I opened a Robinhood account in 2020. I added money into the account and bought stocks. This past Thursday, my account vanished. When I tried to log into it, this text appeared : " Error.Unable to log in with credentials. '' I had a facial recognition feature on this app, so I found it strange. When I tried to contact Robinhood of fraudulent activities, there is no one to contact. The telephone number redirects you to a vague email address. I was stressed because Robinhood has all my information linked to my bank account. I find it incredulous there is no support if its a legitamate company. I had over XXXX shares of XXXX  cryptocurrency. I had invested in XXXX. XXXX. XXXX. XXXX  XXXX. XXXX. and a few others. Today someone tried to transfer {$2900.00}. then $ XXXX {$1000.00}. then {$100.00}. then {$10.00}. all within an hour. I happened to notice. All of this could have been avoided if Robinhood had a fraud department. I'm not tech savy. I work hard for my every dollar. I pay my bills. I'm asking with some help reinstating my account. I signed up for identity theft protection. I want my account found. Thank you.

Company response to consumer: Closed with explanation