vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. Capital One opened in XX/XX/XXXX, XXXX opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from XXXX, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MA

Complaint narrative:
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. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MA

Complaint narrative:
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. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX, I changed cell phone numbers. I updated my phone number with my bank and needed to make a wire transfer from my business banking account. I called customer service who directed me to authenticating myself using the standard text messaging that I had used prior without incident. I set up the transfer and received a text on my new cell number and entered the last 6 of my ssn as instructed. I received an error that this was incorrect. I spent hours over the next month on the phone, in my local branch, and reaching out to the CEO/executive care line eventually as I followed Regions instruction and was locked out of all my accounts. After I finally was able to get access to my accounts again, I was told by an agent that I should have never had this happen as it was well known glitch that any customer who had a social security number where the last XXXX digits begin with a XXXX will trigger a fraud block - she said they had numerous trainings on this and it should never have happened nor been allowed to lock me out. 
The result was I was locked out of all XXXX of my Regions accounts for over a month resulting in Significant overdraft fees ( some of which were refunded after I continued calling ) and most importantly thousands of dollars in returned payments, late fees, the inability to pay any bill on time as I had zero access to my bill paying accounts. I have complained at all levels and was told indeed this was a well known issue with Regions transfer services but their response was after months of my complaints and requesting help, Regions had refunded some of their fees. As this was clearly a well known glitch with their system, it cost me weeks to finally have some of their overdraft fees recredited but it cost me thousands for every bill that was returned out of my account after I had proven my identity in person and filed numerous complaints. I am still suffering the financial penalties because of this error that was allowed to continue for weeks and the financial penalties to me have not been addressed at all.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Out of all the 3 credit reporting agencies Equifax has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced XXXX score? I will enclose my XXXX XXXX XXXX balance which is XXXX yet on your Equifax it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my Eqifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect data on my credit report with Equifax. alot of information is not accurate and is hindering me from approvals. please update all listed items to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Hello, I have 6 synchrony store cards which are current or paid in full. 2 cards has been closed by synchrony with no explanation and I had to call to have them send an explanation. The 2 cards are for XXXX and Lowes. I did advise synchrony in 2022 when i was laid off of my job and was out of work from XXXX, but was managing my accounts so that they would not default. My lowes card was the first card they closed and last month my empire card was closed, which this account was never late. These closed accounts has been reported negatively on my credit reports.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
my XXXX XXXX XXXX  was canceled and closed on XXXX, I've disputed this with all XXXX credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS

Complaint narrative:
FTC My family business was using TSYS to process credit card transactions but switched to a different provider about two years ago. Unbeknownst to us, TSYS continued to withdraw fees from our bank account every month. We called them on XX/XX/2022 after receiving emails about being out of compliance. This was strange to us since we were not aware at that point that we still had an open account. On that phone call, we thought we had closed our account and therefore would stop being charged. However, upon reviewing our XXXX bank statement, we discovered they had charged {$750.00} that month and {$410.00} in XXXX, after we officially closed the account. When we called TSYS again today, they revealed that there were two other accounts under our business name and that the first one still wasnt closed either. We were not aware at any time that there were multiple accounts nor that we could be charged such outrageous fees without ever using their service or even being aware of the accounts existence. TSYS refused to issue any refund or even close the additional two accounts retroactively, making a number of excuses as to why they couldnt do so. It should have been obvious when we called the first time that any accounts under our name should be closed, especially since there had been no activity for many months and we were adamant about not being charged any more. At the very least their representative should have identified any other open accounts under our business name so we could address them all at the same time. Now they want to charge us again in a few days, claiming the charges are for XXXX and since we didnt cancel before XXXX we owe them fees for noncompliance. This is nothing but a predatory shakedown by a big bank that has cost us {$16000.00} over two years, for nothing! They have provided no service. They simply claim they can grab money from our bank account for being out of compliance on accounts we either thought were already closed or didnt know existed. How many other small businesses are they ripping off? This warrants a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or about XX/XX/XXXX, I submitted a notarized power of attorney to Chase bank in XXXX. I wanted to remove my mother from the account she died on XX/XX/XXXX and list as POA for my father. I was informed by their employee XXXX XXXX that Chases attorney could not accept the document because the year was missing where my XXXX father signed. I asked '' All I need to do is fill in the year and resubmit the document. He responded, yes, you don't have to come down to the office again you and email it to me. I did exactly as I was instructed. Now Chase attorneys says the document has been altered and no is longer acceptable. My father is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want Chase to take responsibility for their actions and stop holding an elderly XXXX man 's money as ransom, remove my mother and list myself on the account as POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

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 2023-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Good afternoon, I have a XXXX loan from XXXX XXXX XXXX that is currently managed by ECSI. I XXXX with my XXXX in XXXX of XXXX, and immediately went to XXXX school at XXXX University ( staring in XX/XX/XXXX ), where I then graduated in XXXX of XXXX. My XXXX loan was thus in deferment for all of graduate school and 9 months after my graduation, meaning the first payment should have been due in XXXX of XXXX. 

I received a bill from ECSI for XXXX of XXXX, 3 months early. I contacted them directly and pointed out the error. They insisted it was not an error, and that my time as a student at XXXX " does not count ''. Not only is that not what all the documentation I have says, it is worth noting that this doesn't even match ECSI 's own records ; it does not show interest beginning to accumulate while I was in graduate school, so this was internally inconsistent, too. 
When I pointed the representative to a website explaining the terms of XXXX loans, her response was to claim that XXXX loans are " not Federal Student Aid ''. You will find these quotes in the attached document. 

When I was unable to reach any resolution with ECSI, I spoke with XXXX XXXX at XXXX, who was able to confirm that ECSI was in error. I received an email from her on XX/XX/XXXX confirming that my information had been updated with ECSI and the error had been corrected, and that the 9 month grace period had been applied, so I expected a bill in XXXX. 

Today, I received a bill in the mail from ECSI showing that I have XXXX months of past due bills : XXXX for XXXX, and XXXX for XXXX, plus a {$5.00} charge. This is the first bill I have received from them. I just spoke to yet another ECSI agent who is trying to tell me that the initial deferment period is 6 months. 

This bill is wrong, and I have already spent hours getting it corrected, only to have them send it again, late, with overdue fees. This is negligent at best, and at worst, exploitative. 

I am attaching a transcript of the XX/XX/XXXX conversation as well as the email from XXXX, and then the follow-up conversation from today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo froze and closed my account without notice. Then later I open the claim on a fraud report on transactions made on account, resulting with that account being closed without notice or ordered by self. 
This makes two accounts, frozen and closed within the last 2 years, this complaint is a violation of the terms of the contract agreement upon opening accounts. Please contact me at XXXX to discuss how I can proceed. 
Thank you, 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 2023-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
We purchased a XXXX  model home. We paid Recreational vehicle sales tax on it. We do not have to pay property taxes on it. Triad is tacking on property taxes to our monthly payment. We have called several times and they keep telling us we need a letter from the appraisal office. The appraisal office says they cant give us one because we dont have a home or an account for taxes for us. The dmv has a receipt that we paid the sales tax. Triad refuses to take that off our payment without a letter. I called on the 11 th and asked how much in property taxes had they paid. I was told nothing there was no account. I then asked why they are still taking out money. She said they will until I provide proof. She also said we wouldnt her our money refunded til we could prove we didnt owe taxes. A week later I did receive my refund for the full amount. I want it taken off my mortgage. Talking with them has gotten nowhere. They are double dipping and making interest off my money.

Company response to consumer: Closed with explanation