vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to XXXX XXXX ( XXXX ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, XXXX XXXX continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX  of every month. The archived statements on this account reflect ACH monies processed and exchanged between XXXX  and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that XXXX XXXX  never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX County Judge in response to a XXXX XXXX  Charge. This No Contact order was in place for my safety and I requested XXXX  to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to XXXX XXXX customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the victim of XXXX  XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX and XXXX. I am asking for XXXX XXXX to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to XXXX, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.

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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX did not treat me. I went to their ER for XXXX XXXX XXXX and XXXX. I thought I was having a XXXX. They never touched me, they did no XXXX, no XXXX XXXXXXXX, No XXXX. I was not treated and I did not stay overnight. I was not hospitalized. I did not sign any paperwork because I was not treated. They are trying to get paid for no treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have payed off my XXXX XXXX account since XX/XX/2020. There has not been any report from XXXX for 2 months reflecting the account has XXXX balance. It shows on my Equifax credit report last reported payment was XX/XX/2020 balance is {$180.00}. This is an incorrect report. I made a my last payment with my XXXX checking account on XX/XX/XXXX for {$85.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This all starts out with Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to XXXX XXXX XXXX. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted XXXX XXXX XXXX by mail to dispute the collection and included a copy of the CFPB complaint against Santander, as well as, a copy of the Multi State Class Action Settlement against Santander and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from XXXX XXXX XXXX over the phone a few days after the letter was mailed and informed them of the letter as well. Santander themselves also instructed XXXX XXXX XXXX to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and Santander instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and Santander 's request is outright wrong!! Not to mention, this account should have never been sold to XXXX XXXX XXXX in the first place!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: NJ

Complaint narrative:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from transunion and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate 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 2020-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE A BANK OF AMERICA CARD THROUGH UNEMPLOYMENT BECAUSE OF FRAUD ISSUES MY ACCOUNT WAS FROZEN NOW UN FROZEN BUT THEY MADE MY ACCOUNT NEGATIVE OF FRAUD CHARGES OF XXXX AFTER THEY SENT A LETTER STATING THE ISSUE WAS CLOSED AND INVESTIGATION FOUND THE CARD HAD FRADULENT CHARGES AND WHEN THEY FROZE MY ACCOUNT THERE WAS TWO PAYMENT OF XXXX TO BE DEPOSITED AND THEY WERE RETURNED I CALL THEY BLAME EDD EDD SAYS ITS BANK OF AMERICA BUT IM OUT XXXX AND NEED MONEY FOR BILLS BANK OF AMERICA I WAS ON HOLD FOR 3 HOURS THEN IT SAYS TO BUSY TO TAKE YOUR CALL AND HANGS UP

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
I contacted Pacbay Lending Group who is helping me refinance my home in which process started on XX/XX/2020. I called in to ask for update on my loan closing. I was advised only to leave a message for XXXX XXXX and left number and never received a call back. They advised me to connect with my referring broker and the broker said they haven't received any updates from this lender for several weeks already. I was advised by broker that i would be responsible for extension fees in which delays were all lender delays. I was also advised i would be charged a .5 % fee for loan not closing before XXXX. This is unfair and deceptive to charge additonal fees to borrower when it is clearly lenders fault for being unprepared and non compliant. My wife works at a bank and credit usually needs to be decisioned in 30 days not 45-50 days per this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I first learned about this when it showed up on my credit report. I disputed the debt in question through the credit reporting agencies to have it investigated. Both XXXX  and XXXX  investigated and removed the error off my credit report. But the collection still remain on XXXX. I reached out to the fitness company in question but they were uncooperative only saying " they didn't have a record and that is perhaps because it went to collections ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a complaint regarding Capital One Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I went on Friday, XX/XX/2020 at XXXX to deposit cash to my checking account. The bank was crowded and did not want to wait on-line since I'm going through treatment, I saw the ATM machine ( XXXX ) inside the bank. I inserted my bank card enter my pin and selected deposit cash, the draw at the bottom opened. I deposit XXXX ( XXXX Bills ) and 1 ( XXXX bills ) the machine took my money with no issue, then I hear the noise I called one of the teller and told him that the machine is making a noise. Then all of the sudden a notice on the screen stating that the machine is not taking any deposits or withdrawls. Then the machine gave me back my bank card but no receipt. The teller told me to come with him and he'll check my account. The total deposit wasXXXX, he said is not showing on my account. I was already very updet and told him that I needed back my money. He said I would have to call Capital One at ( XXXX ) XXXX, which I did while I was at the bank. I spoke to the manager on the phone and she said that it take 7-10 days. I understand that it was the hoilday on Monday. It is now 5 days. I called yesterday again and they stated that I have to wait until Friday because they have to investigate. I told them I can not wait because my bills already set-up to come out of my checking account. All my bills are going to bounce. I undertand they have to open the machine but they can see that I deposit XXXX. I have NEVER had any issues before. I work for the XXXX  for 25 years, including XXXX at the Federal Reserve Board. This is not fair not to give me back my money, that I have to wait. The Capital One Bank can see that I have always deposit cash every two weeks. Please let me know what can be done so I can get back my {$1700.00} back to my checking account. I need to pay my bills and my husband is XXXX which he needs his medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with Experian has been compromised ( i.e. hacked ). When seeking to login to their service using my credentials, I am unable to do so. When I access " Forgot Username '', it indicates that an email with my username has been sent to an email address not associated with me and that I do not recognize. 

I've repeatedly tried calling the only phone number they have listed ( XXXX XXXX XXXX ) for assistance with this matter, but there is no ability to speak with a live person to help resolve and there are no automated prompts to address the issue I've encountered. I've subsequently sent email to XXXX and while I initially received a reply requesting additional info to verify my identity, I've not received a further response back from the company. This issue remains outstanding and there appears to be no way to get in touch with someone who can assist in this matter.

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 2020-10-14 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) REGIONAL ACC : Acct # XXXX 2 )  XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had been a XXXX XXXX XXXX  client for 15 to 20 years. I received a notification that XXXX XXXX would sell their bank to US Bank. I took a look through the documentation and nothing jumped out at me. I realized I would lose some of the benefits XXXX XXXX provided but I knew those were unusually generous ( for example, they paid back any third party ATM fees ) and that was fine. 

On Friday, XX/XX/XXXX, I tried to withdraw my money from my account and was told I had " exceeded my daily limit ''. My limit has been {$500.00} for quite a while. I tried less and still received the same message. I then tried calling XXXX XXXX, was told there were issues with the merger and someone would investigate and call me back. I never heard from anyone. 

The next day, XX/XX/XXXX, I am still getting " you have exceeded your limit '' even though I hadn't taken out a dime since Thursday. Now I call am told that US Bank will not allow any XXXX XXXX customer to take cash out of an ATM until the XXXX or XXXX. if there was any notice given of this, it was not obvious as it should have been if customers were going to be denied access to their money over a holiday weekend. I was forced to take a cash advance against a credit card, something I never do. 

On XX/XX/XXXX, I am finally able to withdraw cash but I am limited to {$300.00}. I call US Bank and they say they will not raise anyone 's limit unless they've had a card for two months and an account for a year. I have had this same account and card for decades but because this is a merger, it resets their close. This is completely unacceptable and should have been clearly and obviously disclosed to clients so that they can properly prepare ahead of US Bank 's lockdown.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We received a letter dated XX/XX/2020, stating Quicken Loans were selling our mortgage to XXXX XXXX XXXX XXXX XXXX, but Quicken would continue to service our mortgage. 
I then received a call from a company named XXXX, which is listed as a debt collection agency, saying for me to call them to set up payments to them for our mortgage. 
Thinking this was a scam, I contacted Quicken and talked to XXXX XXXX who stated that she shows our mortgage was sold to XXXX, and has no record of the letter I read to her. 
Her letter was datedXXXX, which I have NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: NC

Complaint narrative:
I have 2 equity lines of credit with Keybank. 1 is for my business and the other was on a home that I owned. I went into the bank and asked to withdraw {$50000.00} from my business equity line. Keybank ( XXXX XXXX CT ) mistakenly took the monies from my home equity line. Several days later the house is sold and I am informed by my attorney of the mistake. The staff at XXXX XXXX CT transfers the funds to my business line and tells me all fees will be waived. The house is sold. Keybank didn't close the HELOC. They are billing me for the fees and interest that occurred. I have called several times to correct the issue and it has not need resolved as of today XX/XX/20. I have difficulty reaching XXXX the person at the branch who is supposedly handling the issue. I was told today by the branch manager that he is working to resolve the issue, but the technology at the bank is giving him errors. I need the issue resolved before it affects my credit. I have been made several promises that it is being worked and will be resolved quickly, but that has been the same answer for 2 months.

Company response to consumer: Closed with explanation