vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: AR

Complaint narrative:
I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : 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 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 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 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 Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

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 2023-02-09 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: AR

Complaint narrative:
I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : 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 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 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 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 Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On Friday XXXX I went to close all my accounts because I do not believe my online banking was ever fixed when the {$250.00} fraud charge happened in XX/XX/XXXX and then I was supposed to get a credit on the XXXX well that did not happen. I got a statement saying I got one and it did not show on my online banking but it showed on their end. SO I left the XXXX in the account unwilling to pay the fraud charge and waiting for it to be adjusted in my online banking. We had many emails about why it was not showing up and what was the issue and they said they weren't sure but they were working on it and when it was finally added on XX/XX/XXXX for XX/XX/XXXX it did not reduce the amount I owed at allSo i said the hell with this and paid the money and closed ALL my accounts BUT for some GOD known reason the assistant manager DID NOT CLOSE my online banking. WHY she did not do this I do not know So on Tuesday my mom who took over the account that had her checking in it not my stuff and became sole owner of it ended up getting a call that there were 2 transactions from my online banking account trying to wire transfer money to some guy we don't even know for XXXX and XXXX. Not only that I had 2 other banks attached to this account because I would transfer money in to help pay XXXX credit card bill and they tried to wire transfer in XXXX money I dont have in an account. All because they did not close or shut down online banking the Friday before. Yes this could of happened if I kept the account but I was closing it because I did not feel safe keeping it and went in closing it and wanted it closed immediately ALL of it. Now I had to file a police report call my banks closed multiple accounts set up new ones as well as change every single one of my auto payments associated with my cards because you guys failed to do your job and close my online banking when I closed my accounts

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 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
Our information shows : Your Account is now owned by XXXX XXXX from XXXX XXXX XXXX with account number : XXXX This debt is past 7 years debt collection law in state of Texas. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a dispute with Bank Of America. And the total amount is {$10000.00} for my dispute ( total XXXX transactions that was not authorized by me ). At first the bank credited me all amount {$10000.00}. 
And then XXXX  months later when they looking at XXXX transactions I disputed. They sent me a Letter said that duplicate resolved The bank took {$5600.00} from my account and bring my bank to negative balance. All my bill was returned because their mistake. 
I called so many time to resubmit the claim and reinvestigate my dispute but they refused my request. They dont want to fix their mistake.the main thing here is : There are XXXX translations in total. All different confirmation numbers on the statement but there are some transactions have the same amount so they was confused and they took out XXXX transactions with amount {$5600.00} out of my account with the reason duplicate transactions but its not true. Took money out my account without let me know anything happened?? XXXX weeks later They sent me a letter said disputed resolved : and its showing the amount is {$10000.00} but the true is they only credited me {$4900.00}. 
With their mistake I lost my {$5600.00} in my checking account. I need help please! I work so hard to save money. Please some one can help me take my money back from BOA please. I have been their customer for XXXX years. I am so disappointed I cant believe they can do that to me.please help me. Please helps me get Justice! they are inefficient and do not respect customers.they don't correct mistakes, they don't care about customer loss I lost {$5600.00}. I need get my {$5600.00} back. 
I hope someone on here can help me and let BOA know about all this matter. 
Sincerely, 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 2023-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi Equifax I previously submitted a complaint on Equifax for reporting information on my business Equifax report. The case was closed. I have emailed Equifax several times about this incorrect information They said they fixed but a week later I see a new issue. 

i run my Equifax report daily through XXXX on XXXX I had a Equifax score of XXXX and XXXX tradelines the report from XXXX has XXXX tradeline and a score of XXXX. XXXX has also informed me my business has myutiple Rquifax IDs meaning mutiple reports are being created. 

Equifax is not doing there job correctly XXXX not sure if they have multiple people hamdlig XXXX issue but this is becoming the norm its not right or fare its stressful its crazy i dont een know what to say but please make Equifax do there job they are XXXX  XXXX  slowly form stress I never get thei sfrom XXXX or XXXX. Its XXXX of they are horrible and shouldnt be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/23 received letter stating account is closed XX/XX/23 called customer service line. Spoke to rep, who asked her supervisor if it could be reinstated due to the fact that my account is active and positive. She was told no. I asked to speak to supervisor and was placed on hold for XXXX hour. 

XX/XX/23 After hold I spoke to XXXX ( ID XXXX ) who said that they " don't have a procedure for disputing account closure. '' He was unwilling to listen to my specific circumstances because he did not have the authority to override the system. Later in the conversation, he mentioned that I had an option of " sending in a formal complaint to the general system, '' but warned me that " the answer would still most likely be the same. '' He said that his XXXX 's name is XXXX, but when I asked to speak to her, he said " that would be no. '' He offered to transfer to another XXXX at his same level, and I accepted. I was placed on hold for XXXX minutes. 

XX/XX/23 Spoke to other supervisor who listened to my concerns and said she would have her supervisor call me back within XXXX business days. 

XX/XX/23 Posted on social media sites. Received response on XXXX requesting that I private message them my phone number even though the message feature is XXXX on their account. When I plainly stated that it is XXXX, they stopped responding.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Multiple dates and times since Ive opened the account with Wells Fargo. Ive turned my atm card off to prevent it being used and the bank still allowed payment to go through and charged me an overdraft fee multiple times.

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 2023-02-09 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: NV

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please investigate and correct the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: MN

Complaint narrative:
I have been disputing this XXXX XXXXXXXX XXXX XXXX for weeks. I have told them that this is not my account. I have asked for verified documents with my wet signature and they have refused to provide it. They are showing this account on my credit report under this name reporting a balance every month for another original creditor which is a VIOLATION and against the LAW! 

1.Not indicating when the account has been sold 2.Not reflecting a {$0.00} after transferred/sold ( double jeopardy ) 3.Reporting inconsistent balances across the credit bureaus 4.Date of delinquency illegally being changed I am within my rights to sue them and that is what I will be doing. They are also blocking people from disputing online when they fail to provide the documents consumers ask for. My attorney is going to have fun with this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: UT

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 2023-02-09 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX  written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I have been in my home since XX/XX/XXXX and I purchased it for {$72000.00} and here it is XXXX and I still own about {$63000.00}. My mortgage has been sold many during time, I fell behind in XXXX and had to file bankruptcy and during my bankruptcy I was informed that my late payments would be placed at the end of my mortgage. Here it is about XXXX  years later and I still have XXXX  years on my mortgage. Right now Im paying my Mortgage to XXXX XXXX. I just informed by XXXX that XXXX mortgage owns my loan XXXX mortgage loan trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 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 2023-02-09 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Metacorp LLC
State: TX

Complaint narrative:
Our information shows : Your Account is now owned by XXXX XXXX from ACE CASH EXPRESS with account number : XXXX This debt is past XXXX  years debt collection law in state of XXXX. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment

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