vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and havent heard anything back. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX 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 XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX XXXX, CO XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. However, it has been more than 30 days, and I have not received a response regarding my investigation. This is not making any sense. To follow up, I sent another letter last week with certified mail with tracking number ( Equifax ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX Based on the documents I provided, the credit bureaus can see that I am aware of my consumer rights. Therefore, I demand that all accounts that negatively affect my credit score and violate my consumer rights be removed immediately. 

In accordance with Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 

Please see the attached documents as confirmation of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. elow are the disputes that need to be from my credit report : Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX, XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

2. XXXX XXXX XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
FDCPA section 807 Violation misleading false reporting 3. XXXX XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

Misleading false reporting, unverifiable and inaccurate reporting. This is a duplicate account which is a FCRA violation. 

4.XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation, it was reported without valid evidence. 

5. XXXX XXXX  XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a medical collection that I paid off that was showing on my report. I paid this debt off in the amount of {$110.00}. The debt was then to be removed from my report as it is a medical debt. So far it is still showing as a collection on my report from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had three accounts with TIAA Bank, a checking account and two savings accounts. I closed them in XX/XX/2022, so I need a 1099-Int form to complete my taxes. But TIAA has not sent the 1099 by XXXX XXXX  or by e-mail. In addition, I can no longer access the accounts online because they are closed. I called TIAA Bank, and they said they would email me a 1099-INT, but they have not sent one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Received a letter XX/XX/XXXX concerning an escrow account in which they reported an increase in my taxes and insurance. However, in addition to an increase of {$34.00} a month to cover the increase, they want an additional {$1400.00} added to my XXXX  mortgage payments and are unable to provide any backup as to why I owe it.

I have made several attempts to resolve. So far their explanation is that they had to pay off the home insurance company to keep my coverage after they FAILED to pay it the entire year of XXXX. I actually did not have insurance that entire year. I have several questions they seem unable or unwilling to answer : ( 1 ) Why am I responsible to pay anything AT ALL for the year in which I did not actually have any coverage? ( 2 ) What did they do with the money I paid into escrow to cover home insurance? ( 3 ) What is the supporting documentation to demonstrate where the supposed {$1400.00} debt comes from? They are now simply not answering my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX : # XXXX - {$0.00} 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 2023-02-24 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: Experian Information Solutions Inc.
State: CA

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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX XXXX  # XXXX - {$0.00} 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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/XXXX GREEN TREE SERVICES LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit report that were incorrect and erroneous but no proof and response provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
XXXX XXXX USCB XXXX calls frequently. 
To the point I feel harassed.

I have no outstanding payments due for anything- so I can not give you any such information. 
Upon researching them I have found numerous complaints about them. 
Many very similar to my experience. 
I would like the calls to stop and for them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, On XXXX XXXX2023 money from my Bank of America business checking account was stolen by wire transfer. 
I did not authorized the transaction. 
Amount {$3900.00}. 
I filed the claim to bank and Identity theft. 
From that time I am calling to bank, made the appointment with banker. All representative make me wait 30-40 min on the phone, transferring me forth and back and telling me that I need to wait or go to bank again because they do not have access to my account. 
Bank actually had never called me and update with the investigation process. 
I need help to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: Synovus Bank
State: AL

Complaint narrative:
I had an unsecured credit builder card through a company named First Progress. I paid the card out, received a refund, and also closed the account in XX/XX/XXXX. I have a XXXX  balance on the account and it is still reporting as negative to the credit bureau XXXX as of XX/XX/XXXX. I spoke with multiple customer service representatives on different occasions with the most recent date on XX/XX/XXXX. I was told that I have a XXXX  balance in there system but they don't know why its reporting as 90 days late on my credit report. I was told to call one of their collection agencies named XXXX to see if they could tell me what's going on but they representative there said she couldn't find me anywhere in her system. It didn't make sense that a collection agency would have my Info since the account is paid in full, but I followed their instruction on that. I have documentation from my credit report to prove that this account is NOT 90 days late and that there is in fact a XXXX  balance. I would like for the company to send me a XXXX  balance letter to my home address XXXX XXXX XXXX XXXX, Al XXXX and also remove this account completely from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a checking account with Truist, previously SunTrust XXXX XXXX XXXX. Since truist took control of whenever I deposit a check they would hold my checks, every single check and then continuously charge we overdraft fees when a transaction comes in. By the time the hold is released 60 % of my deposited funds are being eaten up in overdraft fees. I'm tired of complaining to them, and they say that they will fix the problem and refund the overdraft fees but they never do and it keeps happening. I never had an issue with SunTrust, back in XXXX of 2022 they even closed my account without informing me, and held my funds for weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/F/K/A GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH XXXX XXXX  FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: TX

Complaint narrative:
I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am writing to inform you that your company, Monterey Financial, has violated the Fair Credit Reporting Act ( FCRA ) by missing transactions and payments on my account and transferring my account to your company without all the required documents and payment history as required by law in the United States and the state of Texas. 
Your company 's failure to properly document my account and its history violates my rights as a consumer and is not what I agreed to when I obtained the loan from you. I demand that you void out the loan completely and stop all collection efforts against me. 
Furthermore, your company 's request for me to provide proof of payments is also a violation of the FCRA. I have already provided this information to your company, and any request for additional information is not in compliance with the FCRA. 
Under the FCRA, a violation of this nature carries a fine of {$1000.00} per offense. In my case, there were five missing transactions, which means that your company owes me {$5000.00} for these violations. 
In addition to the {$5000.00} owed for FCRA violations, I also demand compensation for the time and effort required to provide you with the requested documentation. This amounts to four hours of my time at a rate of {$75.00} per hour, totaling {$300.00}. 
I expect your company to take immediate action to resolve this matter. If I do not receive a satisfactory response from you within 30 days, I will have no choice but to seek legal action to protect my rights as a consumer. 
I advise you that your conduct is in violation of several transaction laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ). 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation