vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: WI

Complaint narrative:
I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP 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 2021-10-14 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

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 2021-10-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX XXXX XXXX are in violation of fcra rights by reporting a unverified/invalidate collection in the amount of {$960.00} on my equifax credit report. 

Section 609 Fair Credit Reporting Act.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature agreeing to pay said amount.

A bill is NOT a signed contract!

Please dont not send me a bill or a verification letter for me to sign. This action is violation of FCRA. 
The company XXXX XXXX XXXX sent me a bill, again this is not a signed contract of me agreeing to pay the amount of {$960.00} Please send the contract with my signature explaining/agreeing that I own this amount. If XXXX XXXX XXXX  can not provide this by law equifax must immediately deleted item. 

The collection agency is required to have and provide this information. 
XXXX XXXX XXXX is asking me to provide a signed contract that they are required to provide to me by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent TRANSUNION a cease and desist ( LETTER ATTACHED ) for inaccurate late payment of my XXXX  XXXX account they were reporting. 
They deleted the item and sent me the results ( they removed it on XX/XX/2021 ( RESULTS ATTACHED ) Today XX/XX/2021 Transunion reported the same negative late payment again. 
They late payment is reported XX/XX/2021. Transunion is in default ( violation ) with my cease and desist LETTER I sent them. 

1. The following information is inaccurate. I would like it removed from my credit history report XXXX  XXXX Account Number : XXXX Please remove this Late Payment from my credit report. 

Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave Transunion any written consent to report anything negative on my consumer report, No consent is Identity Theft. 
I demand an adjustment to remove the late payment ( s ) permanently ( meaning I don't want the same late payment to be reported in my consumer report.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BEACON FINANCIAL CORPORATION
State: VT

Complaint narrative:
Dear Sir, I order XXXX products every month. In XX/XX/2022 I ordered products using credits I had. However, XXXX charged my checking account {$130.00}. I called them immediately and they said they would cancel the charges. They refunded my money however in the interim the money they took out of my account caused a number of my checks to bounce. The bank charged me a fee of over {$250.00}. I explained what happened and the bank said they could only refund {$110.00}. That means I have to come up with and additional {$140.00} to cover fees. XXXX has admitted that it was a mistake to charge my account. Yet the bank XXXX refused to give me a full refund. 

I am now unable to pay my bills this month. I have deposited over {$500.00} all ready to try to solve this problem. I am not a rich person. The bank lost nothing. Why should they make money of a stupid XXXX mistake. The bank manager XXXX XXXX. XXXX refused to help me. She was steadfast in her refusal. You understand no money was actually lost. Thank bank paid out nothing. They are happy to make money of a companies mistake. I didn't authorize the payment which normally triggers a refund of fees. However, the bank intends to make money off of me no matter what.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BEACON FINANCIAL CORPORATION
State: VT

Complaint narrative:
Dear Sir, I was living on a fixed income. My roommate stole checks and food from me. When I went into the bank I found out I was overdrawn. I tried speaking with the bank they ignored me. I explained I have XXXX and was unable to figure out what was happening. 

I was willing to pay any money the bank paid out. But they wanted me to pay thousands of dollars in overdraft fees. I offered a payment arrangement for the money but they refused. The closed my account and submitted it to a company. Now I can't open an account anywhere. 

Sincerely, 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 2021-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Around XX/XX/2021, I went into the XXXXXXXX XXXX XXXXXXXX, PA branch of citizens bank to close my checking account. The account had an overdraft line attached to it, which had already been fully paid off. I closed the account, and the teller gave me {$100.00} that was still in the account. I asked for some type of paperwork to show that the account had in fact been closed, but the branch staff said that they did not have anything they would give me, but I would get a letter from the bank verifying that the account was closed. to this date, I have received no such letter. On XX/XX/2021, I got an alert from my credit monitoring service that Citizens bank had reported me delinquent 30 days on the line of credit and that I was {$27.00} past due. This was 3 months after I closed the account. I called citizens bank 's 800 number and was routed to several people. The one who could help me assured me that that was an error, they would XXXX  out the amount they said we owed, and that they would correct the credit reporting and remove the 30 day late on our reports. I asked for something in writing to be sent to me, but was told nothing could be sent. To this date, there has been no correction of our credit reports. They did report that we owe nothing on the account, but have not removed the negative reporting. Unfortunately for us, all this happened while we were looking to buy a new house and has caused the mortgage rate to go up significantly, over a full percentage point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XXXX sent over a debt to collections that I had already paid to them directly. I never received a letter or call about them sending it over to collections. I had already paid them in XX/XX/2020 from the bill they sent me. They sent to the collection agency Harris and Harris that I owe {$1400.00}. They send a bill to me saying I only owed {$48.00} which I paid to them and my insurance took care of the rest. This should have never been sent to Harris and Harris because I had already paid XXXX  directly. I have contacted Harris and Harris and sent them proof I had already paid and they have not removed it or done anything with it after multiple attempts to get them to take it off. Harris and Harris was also telling me that XXXX XXXX wasnt a part of XXXX XXXX when it clearly states they are on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2021 I deposited a check in my Legal Name from XXXX XXXX XXXX into my Chime Spending Account and later in the afternoon they denied the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America ( BoA ) has restricted my ability to make deposits and charged excessive overdraft fees when my account balance became negative. 

My local branches ( I am restricted by not having a car ) have not had tellers and do not expect to have any until at least XXXX, so I have not been able to make deposits. Note I am not a debit card user, so I can not use the ATM. I have not been able to make deposits on the Mobile app because of an app update that was recently pushed that my older XXXX does not support. 

I got an email notification from BoA on the night of XX/XX/21 alerting me to the issue and deposited the funds mid-day on XX/XX/21 to rectify the issue. 

Overdraft details : # transactions : 4 Dates : All transactions on XX/XX/21 Fees : {$35.00} per transaction = {$140.00} Total debits : {$2500.00} Previous balance : {$2400.00} Brought me to a - {$250.00} balance ( Unfortunately the biggest charge hit first, resulting in 4 overdraft fees instead of only 1. Not sure how this is determined ) I have been understanding about BoA 's labor shortage and technical limitations in this difficult environment and expect that they would suspend their overdraft fees in light of the difficulty of making deposits through their branch and apps for customers with limited means of transportation and older app platforms. 

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 monetary relief
Consumer complaint received 2021-10-14 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Per my XXXX credit report it states that a company called Exter finance is an open account. I have never heard of such company, then I called that company and asked a few question. It turns out they are a automobile finance company. Only car finance I have is from XXXX. They search on my social security and as I thought there is no account under my name. I have no Idea how they have got into my account. 
Please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from on time and the next month 90 days late. Experian is required to report only accurate information.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
We closed on our refinance mortgage on XXXX XX/XX/2021 with the bank 's closing attorneys. The refinance is with the Pentagon Federal ( PenFed, loan # XXXX ). The total loan was for {$400000.00} ( {$370000.00} to pay off the loan on our home currently held by XXXX XXXX Bank ) and {$63000.00} in cash back to us. Our current mortgage company was to be paid off the and funds deposited into our local bank within 5 days of closing. I have contacted PenFed at least 8 times over the past few weeks, no one has an answer and all state that " someone '' will call back- NO one has ever called me back. I talked with the Closing Attorney. She said this is wrong. She has never heard of this happening and recommended that I call the Title Attorney - no response from them either ( XXXX and XXXX, XXXX, GA ). We have received 2 bills from PenFed for our 1st monthly payment on our loan. We have also, of course received bill from our current Mortgage company, XXXX XXXX ( because of course, they have never been paid ). 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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Tesla, Inc.
State: CA

Complaint narrative:
I'm leasing with Tesla Finance, per my XXXX report it is correctly stated I do so but per my XXXX it is missing that information. Please fix that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XX/XX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.

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 2021-10-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have two disputes with USAA 1 ) I was charged the wrong amount w/ USAA Case Number XXXX. 2 ) I was charged twice for USAA Case Number XXXX I have tried to dispute these with USAA but USAA is being negligent and not working with me. They have not called me about these cases or communicated with me in anyway, but continue to deny the claim. When I called to check the status of these claims, they advised me they were closed because no documentation. If I can not get the merchant to give me a receipt, I don't have one, and USAA can't provide one, how can they possibly continue to charge me? USAA Has made no efforts in working with ME to resolve these claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation