vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
I am an identity theft victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MN

Complaint narrative:
On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than 12hrs without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX CRA : AMEX CRA ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX , was denied an extension of credit by American Express XXXX On XX/XX/XXXX, I applied for XXXX XXXX XXXX. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX XXXX XXXX Without XXXX, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am on a XXXX XXXX XXXX Subsidy and I have to get proof from the XXXX XXXX on XXXX that I did NOT have any debt before being able to move out. XXXX XXXX XXXX XXXX is under contract to pay XXXX on XXXX for rental assistance on my behalf and I ABSOLUTELY COULD NOT MOVE OUT OF THE XXXX ON XXXX IF I HAD ANY BALANCE NOT PAID.I RECEIVED A CLEARANCE LETTER FROM THE XXXX ON XXXX STATING THAT I HAD NO DEBT, NO MONEY OWED, AND RELEASED FROM THE CONTRACT WITH XXXX ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never agreed to interest loans imposed by the SunTrust company ... XXXX.nor did I agree for SunTrust to take over my loans and they bought my debt without my consent or notification. I formally refuse to take on the new undiscussed interest rates and this new lenders service ... .I do not do banking business with SunTrust nor have they ever given me a loan. I demand this debt be removed because it is not my debt once it is paid off from the entity I agreed with. 
I have not confirmed any paperwork with SunTrust and this makes my balances new and different interest monies are included which I did not agree upon. This debt is no longer under a signed contract with XXXX XXXX as I was not present or notified prior to the shift in debt possession. 

I would like this debt permanently removed since it has been satisfied by an unknown benefactor as shown on my credit report. Benefactor named as SunTrust.

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 2022-02-02 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: MN

Complaint narrative:
On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
( XXXX XX/XX/XXXX ) ( XXXX, XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than XXXX without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
Credit card Ginnys was never late they have been paid in full and still keep calling asking to pu my bill that shows zero dollars owed and even shows on my credit report as zero owed and it says paid late 5 times which is a complete lie Ive never been late ever and since paid it off will never purchase from magazines again ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHERCOLLECTIONSERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Has falsely claimed that I am in debt with their company and placed this debt on my credit report. At no time have I ever been in direct contact, done any business or sign an agreement with this company stating that I will pay them for services they provided for me. Therefore have no right to claim I am in debt with them. 

XXXX is also at fault for reporting this information on my credit report and claiming that their information was valid after my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Financial Data Systems
State: NC

Complaint narrative:
I am an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I reported a transaction with XXXX where I purchased in XX/XX/2021. Because I got Covid and was involved in a vehicle accident and in the hospital for 43 days, I could only try on and subsequently send the merchandise back to the retailer in late XX/XX/2021. The merchandise did not fit because of my hospitalization I became a different size. I purchased online and returned the items thru UPS. The retailer received the items and never credited my account. I gave them 60 days and called several times about this situation. I couldnt get any help because the store said they received the items but they werent scanned for some reason which is why I wasnt refunded. Shortly before 60 days I called and reported this situation to my bank. I requested a full refund for {$1400.00}. 

Chase Bank issued a credit in the amount above and proceeded with an investigation. Yesterday they decided to reverse the temporary credit of XXXX. Prior to taking this money back they offered me no explanation or relevant documentation about why they think this charge is valid. I need my money back. I have a good record with the bank and I dont have problems such as this before. I am attaching three pictures of the items I bought and of the company XXXX acknowledging the return and the pictures also show I was not credited for the returned items. So at the moment Im out of both cash and the items I purchased. A double loss. Its now the banks job to help me. I followed all rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX XXXXDo not use the XXXX system.. 
XXXX Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.

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 2022-02-02 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: TX

Complaint narrative:
FIRST I SPOKE WITH EXPERIAN ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

XXXX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. XXXX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).

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 2022-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I just ended my 1 year COVID mortgage relief program with us bank. I was told that I would receive a lower monthly payment and a lower interest rate. And most importantly I would have one month before I have to make my first payment on XX/XX/XXXX, XXXX. I called twice in XXXX on the XXXX and and on the XXXX and I was told twice that I do not have to make a payment until XX/XX/2022. I requested that they send me that in writing and they said they couldnt send in email so just wait for a letter that never came. I receive no confirmation that my payments will be lowered and my first payment will be on XX/XX/2022. I called to check in and they now say that my payment is so on XX/XX/2022. They said they have no records saying that I can make a payment on XX/XX/XXXX and all of my payments options still reflect my original mortgage payment and not the new lowered mortgage payment that we agreed upon. I feel misled and lied too from this corporation.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/22 I received checks from TD Bank for two accounts ( last four of acct XXXX and XXXX ) in the mail but I dont have any accounts with TD and certainly didnt order checks from them. 

Checks had on them my correct address and correct cell phone number I had recd texts from td In the week prior but thought they were spam and deleted. 

In the Fall ( XXXX / XXXX ) my brother same last. And told me he kept receiving emails about me opening accounts. At that time I called TD and alerted them of problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I need to report any negative report that XXXX XXXX XXXX might have provided to my credit also i was Getting BBVA erased from my credit with late payment when they force placed on my trucking during my time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
Experian failed to provide consumer with proper method of verification of XXXX allege XXXX late payments. On XX/XX/XXXX and XX/XX/XXXX Experian sent consumer an E-Oscar response claiming to have verified this dispute but failed to provide me with documentation they received from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Around the week of XXXX ( XX/XX/XXXX ), I misplaced/lost my debit card. That same week I contracted XXXX, so I wasnt really looking for my debit card since I was very sick. I didnt notice that my card was lost until around the first week of XX/XX/XXXX. As soon as I noticed the card was lost, I logged on to my online banking account and Locked the debit card from being used and I noticed that my card had been used without my knowledge. I contacted Capital One on XX/XX/XXXX ( I believe thats the correct date ) to inform them of what transpired. I told them Im just getting over XXXX after being confined to my house for about XXXX weeks or so I noticed that my card had been used without my permission. Theres roughly $ XXXX {$1300.00} worth of fraudulent transactions on my account. The bank representative takes my claim information down and states that I should receive a temporary credit that matches the amount of money spent from the fraudulent transactions. Three weeks or so goes by without receiving any correspondence from Capital One, I logged on to my online banking account and to my surprise, Capital One had reversed the temporary credits they had initially given me. I contacted them to discuss this matter around the the last week of XX/XX/XXXX, the representative told me that the credits were taken away because some of the transactions had been placed at stores that I had went to in the past. I tried to plead my side of the story to them that my card was probably lost at the gas station thats close to my home, so there probably would be transactions from merchants that I had previously done legitimate business with in the past. The bank representative also stated that I had logged into my Online banking on a date not too long after my card had been used. I tried to explain that my wife logged into the account to pay on out automotive loan ( which is also with Capital One ). The bank representative didnt want to accept that response. I asked for a manager. Once the manager came in the line, he stated the same thing that the previous representative had stated. So, at that point I assumed there was nothing I could do. I did some research and found the Consumer Finance website and figured this may or may not help. I work hard for my money, I hate that someone was able to steal my money and my bank accused me of doing this to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all XXXX credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I advertently paid my XX/XX/2022 house payment twice. I called my bank ( Fifth Third Bank ) on XX/XX/2022 requesting that one of the payments could be reversed, and the response from the bank was that they could not reverse it. Personally I believe that the reversal could happen, and that maybe it would take a couple of days to process for which I can understand. But to believe that this reversable is impossible on the banks ' part is hard to fathom. Requesting that CFPB kindly intervene on this matter and have this corrupt bank simply reverse the XXXX bones that I inadvertently paid.

Company response to consumer: Closed with explanation