vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Benworth Capital Partners LLC
State: IL

Complaint narrative:
My name is XXXX XXXX, I am XXXX with XXXX XXXX XXXX, I applied and received funding from SBA/PPP Loan Advance, Benworth Capital Partners is the Lender. The funds were supposed to be deposited in the my checking accounted on XX/XX/2021. Ad of today Tuesday XX/XX/2021, funds have still not arrived. 

I scheduled and met with various Bank Associates of XXXX XXXX XXXX, they continue to tell me that the Lender did not release the funds. I applied to another lender for a small loan XXXX XXXX and the loan amount was deposited into my account in 2 days. I have not collateral other the my SBA Loan Number, and was given a small loan at a very high interest. 

I have been funded since XX/XX/2021 when I received my PN with a loan number. I even contact Ms. XXXX of the SBA and she advised me to open up a XXXX Bank Account ( although the lenders did not make this a requirement ) which I did. I am still having a problem with the funds being deposited. 

I am not getting a straight answer from anyone, XXXX XXXX XXXX, and Benworth Capital LLC. I am about to loose my banking privilege 's because money has not been deposited to cover over draft fees and has been in a negative for over 30 days, I was told by XXXX at XXXX personal checking the my account would be closed today if money was not deposited. I am flat broke, I have been awaiting a deposit since XX/XX/2021. I have all the documentation that is need verifying that the funds were transferred I have waited past the required time set by the lenders and the receiving bank. 

As of today Tuesday, XX/XX/2021, I am still waiting. Please help me resolve this is and prevent me from loosing my bank account and my business. 

Regards, XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Due to pandemic in XXXX I put my mortgage in Forbearance. This went into effect XX/XX/XXXX. 

When i initially contacted Mr. Cooper regarding this I was made aware that there are several options available. 

I asked about putting payments on back end of loan. I was told that I could do this. 

When i called back in XX/XX/XXXX I was advised there is no option because of prior modications made on loan. 

I was advised I would have to pay XXXX to restart loan otherwise there are no options or sell house. 

I stated I want to stay in house with my family. 

Mr. Cooper stated at this point there is no help. 

I would like to reinstate loan and either pay some more money towards loan and or put payments on back end of loan. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received notice of a lawsuit filed by Asset Acceptance for a XXXX XXXX old and paid in full account. I did not have the money to get an attorney so I did everything I could to respond to the court in AZ. The court then reported that they had vacated the case. They stated that neither party showed at the preliminary hearing. We did. I followed up with Midland Credit Management because Asset had turned it over to them. I disputed the debt and I was told that they would take no further action. After a period of time, I got a Motion for Summary Judgement. I again, could not afford an attorney and wrote my Opposition and Motion Against Summary Judgement. When I went to start my car to drive to the Court House and file it my battery was dead. I called to the court clerk who told me that I could file it late but that the Judge would file the Judgement against me. 

Asset Acceptance, Midland Credit Management, Encore, and any other names they use had a degree against them by you the CFPB. Almost everything that they were penalized for is things that I found out during my review and arguments against the Judgement. Yet it was filled anyways and they also garnished my checking account in XXXX  I believe for {$300.00} because that is all that they were allowed. 

I recently received a letter from them threatening to report to The Judgement unless I paid them. I called 4 or 5 different numbers only to be told that they were not the correct party and that they had no information. I have heard nothing further from them. 

I am attaching my OMSJ for your review. I feel that the affidavit was Robo signed, they did not have standing, they lied when they told me they would take no further action. Many things. I want this thrown out of court. I did not have the money to appeal it and I still don't. This Debt buyer has done this to a lot of people and it is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC Bank started charging me a $ XXXX monthly maintenance fee for my Performance Select checking account in XX/XX/XXXX without clearly notifying me. I did not notice the recurring fee until XX/XX/XXXX, at which point I had unknowingly spent {$270.00} in fees. I called on XX/XX/XXXX to complain and spoke with XXXX and she said they would refund ( only ) two months of fees ( {$50.00} ). PNC Bank should be required to clearly and repeatedly explicitly notify customers when their account balance falls to a point where they begin charging maintenance fees. If an account falls below the required balance threshold to maintain a free performance select checking account, PNC bank should reduce the account tier instead of charging a maintenance fee to maintain a preferred account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: PA

Complaint narrative:
Hello my Name Is XXXX XXXX Ima in the process of buying a house .I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Synchrony XXXX credit card to purchase furniture and was approved for XXXX. After using the card I have made all my payments on time for the past year, even paying a little more than the minimum due to payoff before the promo ended. Right before the promo was expected to end the company decreased my available amount from XXXX to XXXX ( which is an old number ). So now I missed the promo date and all the interest was added to the account. Every month now the card is overdrawn due to interest. I even tried making a triple payment but that did not help. I am pretty sure now all of this negative activity is affecting my credit. Not sure why my available amount was decreased.

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 2021-06-15 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: FL

Complaint narrative:
I have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average XXXX and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On Monday XX/XX/XXXX at XXXX XXXX  I instant transferred my earnings from XXXX in the amount of {$100.00}. Overnight, my deposit has disappeared and my account has become negative. Regions intentionally removed my deposit to overdraft my account. I opt out of overdraft coverage so this scenario shouldn't be possible. I have to have an available balance to make any transaction.

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 2021-06-15 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  and XXXX  are not reporting this account, Equifax is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and Equifax is not reporting this account, XXXX XXXX  : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank will not speak to me on the phone due to me being XXXX with XXXX. 
They hang up on me or leave me on hold for times in excess of 1 hour. 
They have said they will not speak with me nor will they accommodate my XXXX. They say they do not need to accommodate the XXXX via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld reported to credit bureau that I owe XXXX {$120.00}. This account has been paid. Additionally, there were no phone number or address where I may contact Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
To whom it may concern, I have looked at credit report back around XXXX 2021 and noticed I had a hard inquiry from XXXX XXXX Inquiry date : XX/XX/2021. I had called chase and the credit reporting agency companies. Both XXXX  and XXXX  removed this from my credit report as I never applied or gave anyone authorization to apply for anything under my name. I never signed any paperwork and have no knowledge of applying for anything that is new. I have 2 credit cards with that company so I would have no reason to do anything else credit with them. It seems that only experian still shows it on the report and for some reason it is still on there. I have tried to call experian XXXX & XXXX of 2021 and was told it would be removed from there customer service team.

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 2021-06-15 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My Citizens Bank checking account was compromised in XX/XX/XXXX when a check was stolen from the US mail and used to attempt to steal money from my account. When I saw the initial activity debit then the funds returned, I asked the bank about it and they told me what they thought happened. They were very nonchalant about it. Said it happens all the time. They advised me to change my account number. I had them change it the next day. Then the. nightmare began. They attached the new number to the old account so at first I wasnt clear on what was going on. I eventually was able to double check every bill I paid to make sure it was from the new number. Fast forward to XX/XX/XXXX, there are come companies that cant be bothered changing the the account number I provided them with, such as XXXX XXXX XXXX XXXX. They did it for one account but not the other. I took both accounts off line. Thats an inconvenience for me not them. My XXXX forgot to change the account number when doing my taxes. Neither of these were my fault. The bank refuses to close the account or separate it from my account because they say Im still using it. Today I see that a check I sent by mail to the CPA was taken from the wrong account. I know I didnt do it. I asked the bank last month how long its going to take for this account to be closed. They said as long as it takes. Whatever happened to closing an account and sending the check back!? These new so called regulations are another way the feds are letting the banks operate as loan sharks with exorbitant overdrafts fees. And the federal government couldnt care less. The disgusting irony of this is that when I opened my bank app today there was a banner declaring today is XXXX XXXX XXXX Day. Clearly the US government and all the big banks think that means XXXX AN ELDER TODAY. Tell me Im wrong by making them close this account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery states that when you pay your account, after the final payment they will do a tradeline deletion on there accounts.they will send out letters to the 3 credit bureaus and request a tradeline deletion. I have learned that this services goes against the consumer data industry association guidelines and undermines the credit system. When you look at your credit report there is no deletion, when you call the credit bureaus they are clueless, when you call portfolio recovery they just say that they sent the letters to the bureaus and state what date they went out, when you press them for more answers they don't know. This is in my opinion false advertising to the consumer and they should be held liable.

Company response to consumer: Closed with explanation