vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

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 2021-10-30 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: TX

Complaint narrative:
On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, i have purchased an existing business where we needed new equipment, we applied for equipment loan we got approved for XXXX but we only purchased for XXXX, the company who leased and or financed the equipment they drafted a lease based on XXXX but we never completed the purchase of equipment equivalent to XXXX but only for XXXX since then we asked them to revise the lease and correct and amend they never did today they tell us that my loan is XXXX and i signed the lease for that amount they did not revise amend from day one we start getting threats, harassments non stop calls, i can't seem to get these fraudulent act resolved and when i researched about them seems like almost every customer is facing the same fraudulent act

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 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I XXXX XXXX a federally protected consumer pursuant to 15 USC 1681a. I have the right to dispute and get alleged debt and all information removed from the consumer report file. I demand these accounts be remove they are fraud and I do not authorize nor consent to them being furnish on my consumer report from anyone other than me the consumer pursuant to 15 USC 1681b permissible purpose has to be given to anyone who wishes to furnish any information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2021 I open a Citi Priority Checking Account with Citi Bank. The terms was for me to deposit {$50000.00} into this account and maintain that amount for 60 days to receive program rewards of {$700.00} dollars. I comply for 4 mounts until closing the account on XXXX of 2021, due to customer service told me on two different occasion that I would receive the program rewards of {$700.00} dollars on XX/XX/XXXX and XX/XX/XXXX of 2021 which I acknowledge I was being lied too by their customer services. Therefore I file a compliant with Citi Bank regarding this matter and was told by their investigation department that I did not qualify for the program reward. Upon opening this account I was charged ATM fees of {$3.00} dollars on two occasion and never reimbursed nor was I provided a code number to activate the program rewards for the Citi Priority checking account and not provided any welcome packet to understand my legal rights nor the terms. I fell that I was taken advantage of due to the fact I maintain {$50000.00} for more than 60 days and lied to on serval occasion nor reimbursed for ATM fees totaling {$7.00} dollars. XXXX XXXX score was never consistence with the three Credit Bureau as today.

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 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I had to file a new complaint because I didn't notice they were doing this but from XX/XX/XXXX to Friday XX/XX/XXXX the site moneylion has been taking money out of my account and saying its debt when I don't own any debt. This site has been taking hundreds of dollars from me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.

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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: U.S. BANCORP
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a letter from US Bank to my home address to alert me that the Platinum Credit Card application can not be processed due to a credit freeze on my credit file. I did not apply for this card and assume that this is identity theft. I called US Bank and spoke with the Fraud Dept who said they would put a note on my application for fraud and advised that I file a police report ( which I plan to do ). The application would not be processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I had transactions pending on my account. The transactions were XXXX XXXX for {$20.00}, XXXX XXXX XXXX for {$170.00}, XXXX for XXXX and XXXX for {$40.00}. After those payments showed pending to come out of my I transferred {$430.00} to another account which left me with a balance of {$11.00} for the remainder of the day. At XXXX CST on XX/XX/XXXX I made a purchase of {$5.00} from XXXX XXXX of which went through successfully which brought my account balance down to roughly {$6.00} and nothing else pending on my account. This morning I checked my account and my account is now negative from an electronic check they processed for {$110.00} that didn't show at all on my transactions history the entire day of XX/XX/XXXX along with 3 NSF charges to go with it. Bank of America said they processed it on XX/XX/XXXX which is not accurate. Had that transactions was processed on the XXXX I wouldn't be able to transfer {$430.00} to my other account. It would have be {$310.00} left in my account to transfer. I attempted to reached out to them to reverse the charges and they only willing to give me back one charge. Unacceptable.

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 2021-10-30 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: Colony Brands, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. 
XXXX XXXX XXXX Balance {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- Tue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: CA

Complaint narrative:
2 months ago I started getting phone calls from different numbers asking for my information, when I asked what was the call for they would say they couldnt say anything about the reason of the call until I give them all my information. I would tell them to stop calling they kept harassing and threatening me. Saying they were going to take legal matter and file a report, stated that they knew where I lived and where I worked, and they were going to send someone to personally deliver documents about the report if I dont pay them right away. I logged on to my XXXX XXXX  and noticed that there was a collection of {$880.00} from Stafford Group Associate. I looked it up online and noticed from the same company that they were doing this to other people. If you could please help me to dispute this transaction/collections.

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Resubmit to CFPB XX/XX/2021 : FYI : have not heard back from CFPB -- - sent 4 attachments with documents spanning XX/XX/2021 to date to CFPB to settle issue with the involved companies. BBT continues to charge ongoing late fees and interest charges on my credit card since XX/XX/XXXX.

BBT/Truist Bank and impacts XXXX XXXX insurance as well -- - Communication to BBT CEO , Email, and multiple customer website communications to both organizations ; multiple discussions with Dispute Ctr BBT by phone and documents sent, also spoken with BBT Collections when they called me 2 weeks ago. The latter individual " XXXX '' ( they " do not give '' phone call confirmation numbers ) knew what needed to occur and should have occurred already, " a charge-back '' to BBT. Also informed her that the USA CFPB has a written online complaint from me about this impasse. 

No one resolves it. Every other credit card group contacts the merchant involved and will directly resolve the problem, not BBT.

BBT charged for the health insurance premium which had been paid for quite some time by me with them. For some reason, XXXX, the health insurance provider did not receive the summer payment although paid to BBT, and their letter indicated I would have my insurance cancelled if not paid promptly to them. I paid them at that point to avoid insurance contract cancellation. So, XXXX in the meantime was paid by both BBT and myself. 
Recently, I return-mailed to the BBT Dispute Center another synopsis of the above and all my health insurance identifying information for them to settle with XXXX. 

I have/have had for years a terrific FICO scores & now this.

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 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from 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 2021-10-30 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: UT

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- 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 explanation
Consumer complaint received 2021-10-30 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: UT

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I refinanced my condominium ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made three payments to XXXX ( XXXX, XXXX, and XX/XX/2021 ) when I received information from Pentagon Federal Credit Union ( PenFed ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX, but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my PenFed account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to XXXX. I called PenFed on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like XXXX had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. PenFed filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with Vice Presidents from both XXXX and PenFed but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.

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 2021-10-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be removed to correct my credit report. I reported my identity theft to the Federal Trade Commission, and have enclosed copies of the aforementioned report, as well as an Affidavit of Truth. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: FL

Complaint narrative:
Please be advised, Ive been a victim of identity theft. I sent in an ftc report back in XXXX. Equifax failed to investigate properly. 

Ive never done business with XXXX XXXX XXXX XXXX bill is {$500.00}. Account says it was opened XX/XX/21. Which is funny because I never received any medical care from XXXX XXXX in XXXX of this year or XXXX of any time. Ive never done business with this company or entered into a written contract with this company

Company response to consumer: Closed with explanation