vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
My US bank account was closed by me late XX/XX/2021. I had overdraft protection on my account as well. US bank allowed a company to withdrawal money from my account after I had already closed it and continued to charge me overdraft fees on a closed account. I now have Debt collectors calling me non stop and sending letters to my home. I do not owe this debt.

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 2022-06-10 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: FL

Complaint narrative:
I am submitting this claim as I have disputed this account with Transunion. 

dispute # XXXX on XX/XX/2022 I was disputed the validity of the debt. I dispute first and for most the validity of the account. This was for XXXX treatment and I had {$2000.00} XXXX benefit with with my dental insurance. I was responsible for the remaining balance. In the end after insurance payments and all of the monies I owed. I think I may have owed 1 or 2 payments of {$120.00}. The second part of my issue is the legality of the interest rate according to my " Patient ledger ''. According to the ledger they show me as being behind {$530.00} and then shows a collection fee of {$530.00} is according to Florida statute XXXX a collector medical or otherwise can not charge more than 18 percent. So how they can legally double the charge is beyond as a collection fee is beyond me. I have disputed this with Transunion and it comes back as verified accurate, however when I reach out to the medical collectors office they tell me they can not discuss with me because they have requested and yet to receive documents from the XXXX office. I called the XXXX office and spoke with lady at who picked up the phone ( 2 times ) for about 20 minutes each time and she can not manage to understand how the balance is what it is either. Either way the account is causing extreme adverse on my credit profile and I would like this account deleted immediately. There is also a medical provider complaint being lodged against XXXX 's office.

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 2022-06-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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 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 2022-06-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up for " XXXX XXXX XXXX '' with an offer to earn XXXX membership rewards points for doing so, but the XXXX points were never awarded to my account ( see attached screenshots ). I rose this with the company on XX/XX/XXXX, XXXX they said it would take 1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. They owe me XXXX membership rewards points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter dated XX/XX/2022 to XXXX, XXXX and Transunion detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter dated XX/XX/2022 to XXXX, Experain and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.

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 2022-06-10 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The company, Ally Bank, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that Ally changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that Ally has some kind of automated system for culling such change of address information. As a consequence, Ally stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

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 2022-06-10 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: FL

Complaint narrative:
N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-06-10 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: FL

Complaint narrative:
N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I am having two issues : 1 ) This company reported on my credit without sending me a written notification and allowing me a chance to dispute & validate the debt. This is highly illegal to report without notifying me in writing first. 

2 ) There is no debt owed to the original creditor, when I called them, they said I did not have any bill with them. 

This company refused to delete this when I called their office and they have violated numerous consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I've been a victim of identity theft and never applied for any of these accounts : Transunion : 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i opened an account back in XX/XX/2021 with an offer of {$400.00} credit when i keep minimum $ XXXX after 60 days of opening an account. 

Its been approx 6 months and the bonus did not get credited and I had to followup multiple times with the bank and still it is not credited. 

I even walked into the branch and complained but still it is not credited.

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 2022-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: LA

Complaint narrative:
I refinanced my XXXX XXXX XXXX  which I financed with PNC  Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: VA

Complaint narrative:
On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX XXXX : XXXX TransUnion : 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 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I was informed on XX/XX/XXXX when XXXX left a voicemail from the number XXXX ( unknown on caller id ) that I needed to immediately contact a member at Caliber Home Loans. I immediately returned the voicemail message and told XXXX ( she would not give her last name ) that the outbound phone attempts outlined above could not leave voicemails. Still, once a borrower has been flagged as " past due, '' messages can be left, which in my case was 40 days later. I'm not sure about other people, but I receive many spam calls and am not inclined to take any random calls. Therefore, when a voicemail is left, I'm quick to listen and quickly return legit messages. 

Considering that I did make our standard monthly payment of {$2400.00} on XX/XX/2022, through XXXX XXXX XXXX, I have always paid on time and was honestly unaware of the variance in price taking place in XXXX of a difference of {$280.00}, it seems questionable in lending practice and regulation. Furthermore, to learn that delinquency was reported to the credit bureaus that I missed a payment in XXXX ( whereas I was only made aware of the missed amount on XX/XX/2022 - almost 40 days later by Caliber Home Loans, seems like an unethical business practice. 

This situation has significantly impacted my credit score, and I'm discouraged by a lending company 's integrity and the practices that transpired. It is more of a " we gotcha '' practice than " we're here to help '' by servicing your loan as our customer practice. If I missed a payment altogether, I'd own the responsibility. But a delinquency filing on my credit score is simply unacceptable for hard-working American taking pride in every detail of my life to get slapped for a minimum delta in the discrepancy of {$280.00}. To state for the record, as soon as I learned of this variance, I immediately paid the delta and adjusted my bank, which is set on autopay for the new statement amount. 

In thinking about better customer service as an organization ahead, how about offering email notifications or sms text messages vs. random XXXX numbers. 

I have asked to have a manager call me back ( with no return call from XXXX or the manager ) if there is anyone at Caliber 's organization that would be able to reverse the filing against my credit score? I also asked for a contact within Caliber Home Loans that would be able to be shared with whom I can further communicate with?

To date, the delinquency has not been removed, I never missed a payment or heard back from a manager or someone of influence from Caliber to help me. 

I appreciate your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: U.S. BANCORP
State: RI

Complaint narrative:
We paid for an appliance repair facility nearby to repair an appliance. They refused to provide the service after visiting to diagnose the problem, so we disputed the {$160.00} charge with our credit card. This transaction fully complied with the Fair Credit Billing Act dispute rules. 

After entering the dispute, Fidelity Cardmember Services sent us a letter that included a form requesting nearly all of the information already provided to them in writing when we filed the dispute. The letter stated that if we did not complete the form, they would continue the dispute using the information we had provided them to date. Since we provided all of the relevant information, we did not respond to the letter. 

A few weeks later we received another letter stating that because we did not respond to the previous letter, they were closing the dispute and taking no further action. This was in contrast to what the previous letter stated. 

Fidelity Cardmember Services violated the FCBA and misrepresented how they would handle the dispute.

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