vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
The usbankreliacard that my unemployment benefits are deposited to is constantly locking the account for random reasons. It declines automatically if the transaction is processed as a credit transaction and will lock your account after three declines. It will also randomly lock when you try to transfer the money to another account.

When this happens, it is almost impossible to reach a human in the customer service line. I have waited four hours before only to be hung up on. And when you can reach s person, they tell you theres nothing they can do, to submit your id to some department and it will take a few days to be unlocked. This is unacceptable when unemployment is the only money some of us are receiving currently. 
This nonsense now has me getting evicted because my landlord doesnt believe that my account has been locked this long.

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Date opened XXXX XXXX debt allegedly owed {$670.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Date opened XXXX XXXX debt allegedly owed {$260.00} y consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander consumer usa has in the past submitted incorrect information on my account to credit bureau. I told you all before about unfair practices and you did nothing.They have not corrected information on my loan in timely manner in past giving me poor score They already charge me interest only payments without applying to loan or thoroughly explaining it .We are under new administration in washington and new guy President Biden put in place i am contacting him letting him know your agency has done nothing out of all CFPB complaints I've submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, a few years ago my debit card was stolen and over charged. Around the same time faced credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: IL

Complaint narrative:
XXXX and Equifax did not comply with the FCRA regarding the legitimacy of a FTC Identity theft report and refused to block the account that was determined to be fraudulent. I have sued them regarding the same issue before, and I will again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I approached TransUnion in XXXX for a free credit check. I was billed {$1.00} on XX/XX/XXXX, and billed monthly until the most recent date, which was XX/XX/XXXX. The monthly cost has increased from {$17.00}, to {$24.00}. 

At the time, they required I enter debit/credit card information, which they have since used to bill me monthly. I used my debit card when I requested my free credit check, which has since expired. I do not recall when my debit card expired. I checked my bank statements and have not found a monthly charge, but I can only go back a few months into my statements. 

I did not know I was being signed up for a monthly subscription service. I did not receive a bill from TransUnion via mail, or email. The only trail of bills I could find was on their website, which I visited recently. I closed the account after discovering the list of charges. I am completing this report and will contact my bank later today. 

I fear they have charged my debit card without my knowledge and without fair notice. I believe they intentionally hid the " orders '' on their website to charge my card without my knowledge. I hope to find the total they charged my account when I speak with my bank today. 

I did not knowingly sign up for a subscription through TransUnion. They have since billed me without my knowledge and consent, and without fair notice. I have since located CFPB enforcement regarding this issue, dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested via First Class US Mail on XXXX XXXX and subsequently on XXXX XX/XX/2020 since I did not receive a reply from my first request for a copy of my Full File ( Consumer Report Disclosure ) as I was declined by XXXX  XXXX from information that you provided them contained within my credit file and I enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them. In my conclusion Equifax behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XXXX XX/XX/XXXX, I received a notice from USAA Federal Savings Bank at XXXX that I was being assessed a non-sufficient funds fee of {$29.00} because of a {$9.00} ACH debit that did not clear. On XXXX XX/XX/XXXX, I contacted a customer service representative via banks mobile app chat portal to dispute the charge and request a refund. XXXX, the representative that I was connected to, informed me that I was assessed the {$29.00} fee because when the {$9.00} ACH attempted to clear on XXXX XX/XX/XXXX, my balance was, according to her, {$8.00} when they attempted to clear the debit. I informed her that according to the ledger of posted transactions for XXXX XX/XX/XXXX on the banks mobile app, my balance never fell below {$9.00}. XXXX informed me that the system would not allow her to issue a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I file a dispute with XXXX, XXXX, and Transunion. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! XXXX  Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why XXXX  will break the law in this manner! I am in emotional duress and victimized by XXXX  and the other company 's action in reporting accurately on my report. Reviewing the Credit file XXXX  and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA XXXX  and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Upon checking my credit I found a trade line from Allied for XXXX XXXX XXXX that was reported to XXXX  on XX/XX/2021. On XX/XX/2021 I emailed Allied via their website explaining that I believed this account was being handled by XXXX XXXX, I sent a second email on XX/XX/2021. In both of these emails I explained that I had not received an initial letter of validation or any written or verbal communication regarding this account. As of XX/XX/2021 I have not received a response to either email, received a phone call, or received an initial notification letter from Allied Collections. As a result they have an open trade line for a collection account without giving me the opportunity to dispute the validity or pay the account in full prior to them reporting this to the credit bureaus. 

I reviewed my credit report and found that XXXX XXXX XXXX updated their reporting ( resulting in 2 collections being listed for the same account, an issue I will report separate to this complaint ) on XX/XX/2021. This means the earliest Allied could have had this account reassigned to them is XX/XX/2021 ; as they reported the collection on XX/XX/XXXX it would be impossible for them to have sent the initial notification letter and allowed the 30 day right to dispute as required by law prior to them reporting this account to my credit bureau. I view this tactic as a clear case of debt parking.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Good Morning, I have disputed with XXXX  and Bull city financial solutions on several occasions since XX/XX/XXXX til the most recent XX/XX/XXXX for a XXXX XXXX XXXX bill. This account was paid in full every month but for some reason Bull city says I owe {$130.00}. I have sent XXXX  my bank statements of the timer and amount in question. I have tried calling Bull city financial solutions and I got no response. I tried sending certified mail to Bull city financial solutions to the address listed and the mail was returned as if the address doesn't exists. Ive been trying to resolve this issue for years and XXXX keeps coming back saying the account is verified. Ive been trying to get in contact with Bull city financial solutions for years and haven't got a single response so I am wondering how XXXX  is verifying this debt. Bull city financial solutions address listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX. Phone number XXXXThank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
Quantum Collection reported this account as in collections on XX/XX/2021 there is a second trade line from XXXX XXXX on XX/XX/2021 for the same account. It is my belief the account was transferred out of Quantum Collections office and placed with XXXX. It would appear that Quantum is continuing to report an account they no longer have the legal right to collect on. This is now causing my credit report to have two collections accounts listed for the same account which is showing a much higher amount in collections and is inaccurate as they are not owed money anymore. 

Quantum should have complied with the FCRA and deleted their trade line from my credit when the rights to collect was transferred out of their office

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have too many inquiries that have been affecting my credit and generally way of life to get the simplest credit card. I get denied for everything. Come to find out I dont recognize almost 98 % of those inquiries. 

I asked XXXX  to show me proof of me inquiring for those accounts. I know they cant. But they needed up considering all of them accurate. So I requested proof from them. Waiting to hear back

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
We received a phone call from ProCollect about an account with a lease term insurance group that deals with our previous apartment 's owner company which is not true because we called the apartments company and they said that we owe nothing and we paid everything 7 months back and now ProCollect is asking us to pay {$120.00} for a broken light on XXXX XXXX2020 after more than 7 months since we left the apartment and sign the release without any debt. Please we need your urgent support regarding this issue. 

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 explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Well that's Experian has denied us credit experience lies on emails almost on a daily basis I keep all my email records so you can see them they they do not produce what they say they're going to produce and emails not once they keep sending me to see my credit score see my credit score through them and never happens they send me somewhere else it wants to charge me a dollar I do not think this is fair and legal practices they just bogarted my annual free credit report twice all the sudden it's got glitches and I still have yet to get my free annual credit report much less the credit score they also can not produce on their online website a credit score for me this is XXXX XXXX the same XXXX reporting live

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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Niederman Stanzel & Lindsey
State: NH

Complaint narrative:
Submitted financial affidavit to debt collector as in response to a civil action in XXXX County Superior Court which collector had brought against me. 

Debt collector contacted me by telephone on XX/XX/2021 and : * lectured me about civil court procedure and that the judge would not " look kindly upon '' the motions I had filed in response to a missed appearance. 

XXXX accused me of lying after I provided a detailed explanation of why I did not have income ( resigned a job under duress after learning of a conspiracy and estate fraud which is currently under investigation by the FBI ). 

* threatened to inform the judge presiding over the matter of my " excuses '' for not paying the debt. 

* stated that he " believed I was just the type of person who chose to run out on his debts ''. 

At this point I informed the debt collector that I had no objection to him notifying the judge of my circumstances, and terminated the phone call. 

Following the phone call I sent multiple emails to the debt collector which included : XXXX copies of a restraining order I had applied for against my previous estate attorney as a result of the estate fraud and criminal conspiracy against me. 

* written request for copies of the recording of the phone call which had just occurred. 

No responses by email, phone or other medium were ever received. Later that day the debt collector filed a motion objecting to my motion to vacate an arrest warrant and bail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I MADE A CHECK DEPOSIT FOR {$20000.00} ON XX/XX/2021 AND THEN AFTER TD BANK PUT MY ACCOUNT ON HOLD I WOULD LIKE FOR THEM TO TAKE THE HOLD OFF OF MY ACCOUNT BECAUSE I CAN NOT LOGIN TO MY ACCOUNT THE CHECK SHOULD BE CLEARED IN 7 DAYS AFTER IT CLEARS I WOULD LIKE FOR THEM TO GIVE ME MY FUNDS WITHOUT ANY PROBLEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureaus are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2021-01-29 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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