vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft! I sent the proper documents for each fraudulent account. The companies continue to update my address from the credit bureaus which I did not give and authorization to do so. The accounts need to block and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX Santander Consumer USA Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Citizens was contacted on the following dates XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX XXXX then the office of the Chairman, XXXX Case number XXXX was given regarding 1. The removal of the escrow account as more than 20 % down was given at closing and escrow fees continue to rise. 
2. The proper amount of my mortgage loan ought to be {$1200.00} not {$1300.00} as currently requested. 
I was told that by XX/XX/XXXX a verdict would be reached regarding this request. 

It is now XX/XX/XXXX and a new mortage bill arrived 1. Escrow was NOT removed -- no letter, no verdict, no discussion sent 2. There is a {$40.00} fee, that is not justified 3. Current loan payment, even if escrow is to be included ought to be {$1200.00} not the {$1300.00} that they state. 
4. They are requesting {$1300.00} citing an unknown fee and charge, that is not permissible. 

This IS mortage fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Deposited my paycheck and had a 10 day hold placed on the check on XX/XX/23. I deposited a check for my pay from the same company on XX/XX/23 and had the same hold placed. Also had several direct deposited from my job. They will not take the hold off of my check causing me to be delinquent on various obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am deeply dissatisfied with my experience at Truist Bank. Despite having an account with them, I never received a card to access my account, and they charged me fees which were later waived. 

On XX/XX/2023, at XXXXXXXX XXXX, I visited the branch to deposit a check in the amount of {$340.00} to my account. The bank teller deposited the check without informing me that there would be a 10-business day hold on the funds, preventing me from accessing any of my money. 

To exacerbate matters, the branch manager has been unresponsive and provided me with misleading information. The bank 's policy, which was supposed to be explained by the teller and highlighted on the receipt, was not adequately communicated. 

Moreover, Truist Bank is currently unwilling to release any portion of the funds or allow me to stop payment or return the check. This has placed me in a difficult financial situation, and their lack of cooperation and unavailability since the incident is deeply concerning. 

Bank location 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 2023-06-20 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Made several.XXXX  purchase that arrived damadged I contacted XXXX and they stated I need to return the merchandise to them..I requested returns fir the damadged merchandise was approved and merchandise sent back via ups. Weeks have gone by and no refunds were given. I contacted XXXX which stated that they did infact issue refunds for merchandise which would bring my card balance down to XXXX  dollars. Since no credit was issued I tried aeverall times tp contact my credit card company to no avail I have waited on the line for three hours the first time 2 hours the second time and 5 hours the third time only to be disconnected. Im trying to dispuite these charges and can boy get through to anyone. I have documented that all merchandise has been returned to the merchant and I'm entitled to a refund.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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. 1681s-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.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to ask you to remove the current fraud alert customer statement on my Experian and XXXX report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt attention to this matter.

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 2023-06-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 EXPERIAN. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 15 U.S.C 1681c. ( 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 1681s-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.

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 2023-06-20 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: KY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I don't have a contract with them

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 2023-06-20 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: DISCOVER BANK
State: FL

Complaint narrative:
I'm I was getting charged for certain things that are not authorize without my knowledge. 

I'm getting charged for credit cards that are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letter on XX/XX/2023 requesting to remove inquiries that were not authorized. I have waited over 45 days and received no response. I called and they stated I needed to send another letter with my request. I opted to chat in so I had chat transcripts and they refused to remove the inquiries that were not authorized.

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 2023-06-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 15 U.S.C 1681c. ( 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 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Rcvd an unknown call from someone claiming to be from XXXX, XXXXXXXX XXXX XXXX  They provided a phone # of XXXX and provided XXXX # XXXX from an alleged debt from XXXX. 

They advised they are trying to serve me with a Civil Judgement. 

I advised I have no debt with said creditor " Chase '' and did not sustain that debt. 

Person on the phone said she did not have any further information and wished me good luck. They were pretty rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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. 1681s-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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. 1681s-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.

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 2023-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: AL

Complaint narrative:
Called debt collector on XX/XX/XXXX starting around XXXX. Tried to understand why my health insurance wasnt billed but Medicaid ( which I dont have ) was billed, and where they even got that information. Debt collector told me that the insurance was billed and denied. I asked for the correspondence between them and my health insurance and he told me know. Just that it was denied. He would not give me any information. Told me to call my health insurance, so I did. They have no record of any claims filled from the hospital or the debt collection agency. When I called the debt collector back to tell them that, he said well you need to contact the consumer who billed the initial bill. So I contact the hospitals billing dept, they stated that they cant do anything now that it is at a debt collector and the debt collector has to file the claim through XXXX ( my insurance ). I called the debt collector back and he finally at least took the billing address as to where to submit the claim. But I want to file a complaint against the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Receivables negative report on my account droped my credit score when they didnt have the right to collect on the debt and they were told i payed credit one bank the money. 
Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies XXXX Resurgent Receivables LLC and Credit one Bank ) received such tender and notification to credit/discharge the accounts for the benificary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.

Stop hurting my credit when you received a form of payment you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am receiving unsolicited offers to apply for a 36 % interest rate credit card. Milestone MasterCard. There are two " unsubscribe '' links at the bottom of the email. Both just re-direct you to their website. I XXXX  the card to see if I could find a contact number to get off their email list. The automated message asks you to enter your full nine digit SS #. That's a red flag. They now have my email address and my cell ( that I called from ). I entered a fake number. Finally connected to a live person who, I am not making this up, had a XXXX accent. He insisted that he could not assist me unless I provided my SS #. 

This operation sounds like a phishing scam and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation