vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've disputed the XXXX XXXX credit card Charge Off and balance for XXXX years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've disputed the XXXX XXXX credit card Charge Off and balance for XXXX  years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
We purchased an outdoor table at XXXX XXXX in XXXX, NJ. My wife and I have our own sperate TJX cards and accounts. I went on to my bank website and thought I was paying the TJX bill for the table in my online bill pay bank portal however, when I made the payment to TJX, I used the wrong account number on my payment check and it was sent to TJX. The payment was never applied to our balance for the table because I used the wrong account number. I then sent a second check that did pay the balance for this table which was on my wife 's TJX XXXX. I called TJX and explained this, they said they would search for the check with the wrong account number. I then received a {$1200.00} refund from TJX for, what they told me, was for the check I sent for {$1200.00} that had the wrong account number on it. A few weeks later I received a bill from TJX that said that I owed them {$1200.00}. When I called they told me they never found the check with the wrong account number on it but refunded the {$1200.00} anyway and since they could not find this check I needed to pay them back the {$1200.00} they paid me. On XXXX I called the contact number on the TJX notice that requested repayment of the {$1200.00} and spoke with XXXX, he would not give me his last name, a TJX manager in the USA. He found the check with the wrong account number but since it had the wrong account number he said the system would not allow him to credit the outstanding {$1200.00} refund that was paid to me, which TJX was now requesting me to pay back. He told me to upload the letter from my bank on to the TJX site at tjx.syf.com to my account on the site. I did that on XX/XX/22 and received written confirmation that the letter was uploaded and received by XXXXX. I called TJX on XXXX and spoke to XXXX in their USA office who confirmed that the letter was uploaded and that payment from the check with the wrong account number had been credited to my account and that I owed TJX nothing. I received a letter about two weeks ago that said I owed {$1200.00} to TJX for this same transaction and bill a few days ago for the {$1200.00}. I owe TJX nothing but they continue to harass me and I need your help to put an end to this please. Best, XXXX 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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent Account XXXX XXXX, XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX  account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.

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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
First Off, Id Like To Inform You That Id Just Recently Got Out Of XXXX. The Entirety Of My Stay In XXXX, I Was Being Charge Service Fees, {$7.00} A Month, Till My Account Was Drained. PNC Did Not, However, Notify Me Through Mail Or Email. This Was From XX/XX/XXXX ( My Initial XXXX  Date Into The XXXX XXXX XXXX XXXX XXXX XXXX, Till XX/XX/XXXX ( My Release Date From XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
BJ 's Credit Card from Comenity Bank. My mother passed away in XXXX of 2022 and I have been trying to close her BJ 's Credit Card with Comenity bank since then. I have talked to them 7 times, I have sent in her death certificate but they still continue to send me bills that contain late fees. The card was paid off in XXXX and they told me the late fees would not apply due to the circumstances. I actually paid one late fee just to get them to stop sending me bills and they sent another one with more late fees! I literally talk to them once a month and they say it will be taken care of and disregard the bills but the late fees keep going up! They purposely make it extremely difficult to close the account. No one should ever get a credit card through BJ 's or Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent Account XXXX XXXX, XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has mail letters for years. I consider that MAIL HARASSMENT! FOR THE RECORD, I STATE AGAIN THAT AS I HAVE NO ACCOUNT WITH YOU, NOR AM I YOUR CUSTOMER, NOR HAVE I ENTERED INTO A CONTRACT WITH YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
I am being harassed by SIMM Associates for a debt that does not belong to me. I have never had an account with them or XXXXXXXX XXXX, the company they claim to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX I was informed by XXXX XXXXXXXX XXXX that my Escrow account needed {$1700.00} to bring it up to date. On XX/XX/XXXX XXXX XXXXXXXX XXXX withdrew {$3700.00} from my XXXX XXXX XXXXXXXX account, broken down as follows, {$1700.00} to bring my Escrow account up to date and {$1900.00} towards my mortgage. 
Please see XXXX XXXX XXXX Statement attached. 
On XX/XX/XXXX I received a letter from PHH Mortgage Service they were the new Servicer of my mortgage and that my Escrow account was negative {$230.00}. 
On XX/XX/XXXX I received another letter from PHH Mortgage that my Escrow account was short {$1600.00} short. This meant I would have paid {$1700.00} on XX/XX/XXXX to XXXX XXXX XXXX  and an additional {$1600.00} to PHH Mortgage making a grand total of {$3400.00} meaning I would be paying this Escrow shortage twice. 
I have exhausted all efforts for PHH Mortgage to correct this discrepancy but they have refused to do so. In fact they have increased my Mortgage by over {$250.00} At this the only recourse I have left is to ask for an investigation by the relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am being harassed by XXXX XXXX for a debt that does not belong to me. I have never had an account with them or Truist Bank, the company they claim to represent.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hi, I and my wife were tenants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and were in the process of vacating the property. We moved out most of our stuff except for a few items and a mattress and were surprised to see it occupied by other tenants when we came to finish the clean up. 

1. The apartment was leased to us till XX/XX/XXXX 2. On XX/XX/XXXX we received a statement dated XX/XX/XXXX including unpaid rent and repairs for {$2600.00} 3. On XX/XX/XXXX we disputed the charges as : 1. Rent was being demanded for the period the apartment was leased out to other tenants. 
2. Repairs were carried out during the period the lease was still active and we were in the process of cleaning up at their own volition 3. No evidence of damage was provided for repair charges. 
Returned the keys. Sought damages for property destroyed. Requested a response in 5 days. No response was received. 

4. We received in writing on XX/XX/XXXX a letter dated XX/XX/XXXX from Hunter Warfield a debt collector on behalf of XXXX XXXX XXXX for an amount of {$2600.00} attaching the same original charge sheet sent on XX/XX/XXXX by XXXX XXXX and no additional evidence or response provided. 

5. My attorney disputed the charge in writing on XX/XX/XXXX with XXXX XXXX XXXX 6. On XX/XX/XXXX I see a collection placed on I and my wife 's account 7. This has damaged our credit ratings and reputation severely

Company response to consumer: Closed with explanation