vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
Someone used my SSN to obtain alleged lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
capital XXXX credit card has been given a deposit of {$1300.00} from my XXXX XXXX checking acct ending in XXXX, for some unknown reason capital 1 has collected my funds of {$1300.00}. 
but has blocked me from using my credit card to pay bills etc. This blockage may be some kind of harassment. I need my capital one credit card funds available immediately to pay bills etc. please have capital one credit card services unblock my credit card act. ending in XXXX, Can I seek any compensation for this unnecessary harassment, I am a XXXX yr iold senior citizen.on a fixed limited income. I talked to a number of employees on the phone at capital 1 credit cards but they insist they can do nothing. to unblock my credit card. my credit card with capital 1 is called aft union plus credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
I am filing this complaint because Credit Bureaus ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity bank has repeatedly harassed me and has even taken to calling me from blocked phone numbers. I know its them because I used the app trap call to verify that it is them making the calls. They call at all hours, repeatedly, and non stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, a scammer was able to un-freeze my credit report with Experian via the on-line portal in XXXX. The scammer used my stolen data to verify and unlock my Experian credit report. 

Experian has the functions of freezing and unfreezing available with simple verification of stolen users data is highly unsafe. XXXX  and XXXX have it in a log-in portal that you authenticate with an online account. I know Experian uses verification using personal data, but if someone is persistence enough, they can gain a lot of information on line. In my case, the fraudster was able to gain information from XXXX XXXX by pulling all of my credit reports. This simple verification process renders the mandated free report freezing useless. 

Experian flaws is a self-serving business practice as it is forcing the consumer to pay for their membership services in order to Lock the credit report. The freezing/unfreezing should be hidden behind a verified account log in. The creation of these accounts should also go through a one time verification process such as identity mail-in or Id.me verification. 

I am currently force to subscribe to Experian membership just so I can Lock my credit report rather than trust the freeze/unfreeze functions.

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 2021-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
My previous employer allowed me to open an HSA account. 
I have since left that employer. 

The HSA account is now charging me $ XXXXmonth and the bank Optum Bank refuses to close the account. 

I just want the accounts closed and my {$3.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I the consumer tried to access my consumer report online through freeannaulcreditreport.com and on Transunion.com and I have been unable to access my consumer report online. I contacted TRANSUNION several times on XX/XX/21 and XX/XX/21 to address this issue. After talking with several agents in the online department, the consumer relations department and the fraud department no one helped me and I was told they don't know what the issue is. I have been given the run around and TRANSUNION is blocking me from accessing my consumer report online. I am being financially harmed and this credit reporting agency is breaking federal law and infringing on my right to access my consumer report online. This has been very frustrating and time consuming. I should not have to go through all of the hurdles and gimmicks of being transferred between internal departments just to be told they don't know what's going and they can only send my report to me by mail. This is intentional and willful noncompliance to block me from accessing my consumer report online. I have not had any problems with accessing my consumer report online until after I begin to do complaints with the CFPB about them committing identity theft and reporting information that I did not give them consent to report which infringed on my right to privacy.

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 2021-09-02 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: NY

Complaint narrative:
On XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurate. 

NOW XXXX, Equifax failed to provide any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I was dealing with Veterans United Home Loans XXXX, MO XXXX to pay off a reverse mortgage with another firm, and that was completed. It was understood that I wanted the loan paid off and I would need an extra {$6000.00} to replace an AC system in a separate check at the closing. Prior to the closing procedure I was ask to send them a check for {$500.00} to cover a home value inspection and {$250.00} for a termite inspection and I would get this money back at the closing. When the closing was finished I received a check for {$6000.00} and no check to reimburse me for the {$750.00} I laid out. 
I was told by the loan officer XXXX XXXX it was part the check for {$6000.00} and this of course was wrong I am out {$650.00}.

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have spoken on the phone with this company many times in which they stated that they are trying to help me in resolving the debt so that adverse reaction would occur on my credit report and help me to avoid future legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XX/XX/2021 it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is
defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2021-09-02 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: GA

Complaint narrative:
In reference to the listed accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX  was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide 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 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I contacted Mazda Financial Services on XX/XX/XXXX regarding auto loan payoff. I was told to overnight the funds and the payoff would post within 3 business days. The payment was received on XX/XX/XXXX. As of today ( XXXX ), the payoff has not been applied and Mazda can not tell me when it may be applied. Mazda will not take the payoff over the phone and told me they will get it it when they get to it. I am paying off the loan to sell the car and Mazda seems unable to process this payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX 4 transactions came through my account.

1. {$10.00} withdrawal 2. {$30.00} withdrawal 3. {$30.00} withdrawal 4. XXXX withdrawal {$200.00} deposit. 

The bank charged me 4 overdraft fees even though there was enough to cover the ( 2 ) {$30.00} transactions and the {$10.00} transactions. I called on the phone and was refunded {$67.00} however I feel I should have only been charged for one overdraft fee. I feel that the bank is allowed to create an opportunity to charge fees that could be avoided. There was a {$200.00} deposit that was more than enough to pay the 3 transactions, but they cleared the {$480.00} transactions to absorb all of the {$200.00} and make the account negative to justify charging the last 3 transactions. The last transaction to come in that is listed in the banking app is {$480.00} ye, t it was paid first. I am so sick of this bank and this scam and this government agency continue to allow this conduct. It's a shame while people are struggling and the government is not helping people the banks are robbing the customers. I have made prior complaints about this and I am aware of many other people who bank here and are having the same issue. The bank changes the terms all the time to scam the customers. Then they have the nerve to put a limit on the number of fees that can be refunded on the account regardless of the reason. I will keep complaining until something is done about this. 


Received XXXX PMT ID XXXX  {$200.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$480.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX  XXXX XXXX - {$30.00} WEB INITIATED PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX - {$30.00} Check # XXXX - {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 I reached out to suntrust bank because I noticed that over XXXX dollars had been taken out of my account over a span of several months. The advised me that I would need to open a new account and close the account that money was being taken from, I did everything they stated and then the next day my account was frozen and they are forcing me to buy a ticket to return to America during the spike of COVID to just come show my ID when I have already verified all of my account information with them.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
There have been so many challenges working with Huntington, poor communication, many unexpected delays on their part, redundancies, and overall poor processing. Weve done everything to try and get things done asap, but its been so time-consuming and mentally exhausting! We are very disappointed in Huntington! We went into this process in good faith, having worked with Huntington Bank many times ( it was always a good experience ), but since XXXX XXXX retired from Huntington, its not the same! We lost a {$3000.00} earnest money deposit and other expenses because sellers did not want to extend the contract ; it was not their fault, but it is Huntingtons fault. Huntington Mortgage had 45+ days to process the mortgage and still could not deliver. We were constantly told they needed more time or theyd ask for a document that was already provided. Huntington Mortgage used excuse after excuse, dangling the carrot of were so close, were going to get this done ; its a rush! Only to miss their own deadline for a clear to close!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I saw a transaction through XXXX that I was not familiar with for the amount of {$150.00} First the agent stated that I've sent money to that person before. I told her I've never. Then she stated it was XXXX the XXXX. That was another lie. The transaction was due XX/XX/XXXX. I feel she purposely sabotaged my account unnecessarily. 
She proceeded to ask for my driver 's license number. I gave her the requested information. She was still not satisfied. I am the victim but was treated like the vlian. 
When asked my security question she laughed at my response. 
She was very unprofessional. 
I called navy federal for assistance and ended up having my account locked. Really for no reason.

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received a bill on XX/XX/21 by PHEONIX FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX for the amount of {$3400.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXXXXXX XXXX but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation