vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: NJ

Complaint narrative:
I co-signed a loan for my sister with the NJ XXXX XXXX XXXX  XXXX in the amount of {$13000.00}. 

She fell behind in payments. She is working as a XXXX XXXX  and due to COVID19 she was laid off from her job last spring and could not meet the payments. 

She told me that she contacted them and that they told her that her payments were in forbearance due to the COVID. 

I got an alert this past month that this student loan has been " charged off '' and my credit score dropped significantly. 

I reached out to Experian on XX/XX/2020 to have the charge off removed from my file. They sent back Report number XXXX and told me that the debt is accurate. 

I know for a fact that Federal Student Loans are in forbearance as I have one myself and was alerted to the fact. 

I don't think XXXX did a thorough job. 

Please advise. 

Best, 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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

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 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX. 

I was unhappy with the coverage/service and was not getting the promised speeds/coverage. 

On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought. 

My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days! 

I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me. 

Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service! 

Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive. 

Please help me, 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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2020 they email me stating my debit card was suspended. I call them an asked them why and all they state was PNC decided not to do business with me. I asked them when will I received the remain balance of the a direct deposited that was received in my account on XX/XX/2020. I have called them several times and no one can give me an answer on when I will get my money. I also went to a PNC branch where I spoke with a young man and he called the number that a XXXX XXXX gave me which is XXXX with a ref # XXXX and who ever this person spoke with told him. I would get my money sent over night by XXXX XXXX over night. So I called again on XX/XX/XXXX and nobody can give me any answers regarding my money. So I supposed to wait until they decided when they want to give me my money back and loss my place of living and be living on the street and/or not have lights in my home because they decided to close my account the same day my payroll check got deposited. I need help I really need my money to pay my bills. The bank is call PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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 an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Failure to comply with FCRA 611 ( a ) ( 7 ), Method of Verification, within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: CO

Complaint narrative:
I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for any of the following transactions and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX supervisor timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. 

I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I tried to make a donation to XXXX a well known XXXX for the total gift card amount of {$50.00} using a gift card from vanillagift.com Card Serial # XXXX XXXX, from Vanilla told me it was impossible to unblock the purchase as it was being flagged as inappropriate. This was after I tried to check my balance online. The online system also failed. 

I have worked in finance and it is my belief that Vanilla ( https : //vanillagift.com ) is purposely making it difficult for people to spend their money. This is a good scam, but should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was under the forbearance program, then at the beginning of XXXX, I received documentation from SunTrust dated XX/XX/2020 which included a Payment Deferral Agreement which I signed and returned. In the agreement I was told my new monthly payment of principal, interest and scrow payment would be {$3100.00}. This payment was due on XX/XX/2020. XXXX XXXX, I spoke with a home preservation representative to whom I made the XXXX payment by electronic check. I was told that my payment was going to be held to be apply on XX/XX/2020. Today, XX/XX/XXXX, I looked over my online bank account with Suntrust and realized that my payment had gone up in the amount of XXXX, and it read that my next payment due was on XXXX, XXXX, 2020. I called Suntrust and asked for an explanation on the situation. I was transfer to the customer service payment solution, and to my surprise, I was told that my payment was short, and they were holding my payment because of the shortage. I got transferred again. In total I was transferred 4 times ( spoke with 4 different people ) and no one was able to explain : The letter dated XX/XX/2020 stated that my payment for XX/XX/XXXX and beyond was going to be XXXX and now Suntrust is stating that my payment is {$3100.00}. Also, I was never notify of the shortage, no notification was sent to me explaining the shortage. I am now concerned this will be reflected on my credit. I spoke with 4 different people and no one was able to explain why there are two different amounts for my mortgage payments. Also, they were not able to locate the documentation which included the  Payment Deferral Agreement.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account withXX/XX/XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XX/XX/XXXX8 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

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 2020-10-08 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: GA

Complaint narrative:
I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: IN

Complaint narrative:
I have called, emailed, sent documents and I have just recently received a card! Since XXXX my account has been active and someone has been using it so every transaction is being disputed over XXXX dollars I also have a power of attorney but they refuse to talk to her about anything she has submitted paperwork to confirm this as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Speedy Cash withdrew money from my checking account without approval. My debit card was changed and on Friday XX/XX/2020 they withdrew more money out of my account. I asked for them to stop taking payments out of my account and the representative said further collection efforts will continue then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX $ I was so posted to get my money over XXXX and I dont know where is my money I did my Calm over 4 months and keep doing my calm And I didnt get nun on my card

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 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
So far this calendar year, I have not received mortgage statemets/payment coupons 4 times for payments due on the XXXX of the month. I wrote to the mortgage holder on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform them of the issue. Each time, the payment was included with the letter. Today, XX/XX/XXXX, the payment mailed XX/XX/XXXX has not processed. Following the suggestion of the mortgage holder 's customer service staff, I made an online payment, but was charged a {$5.00} convenience fee because I live in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX customer for both checking and my mortgage. I am current on all mortgage payments. I made an extra payment against principal in the same way I had previously by transferring {$650.00} from my checking to my mortgage on XX/XX/XXXX. That amount was deducted from my checking but never credited to my mortgage. I have spent at least 10 hours on hold and trying to reach and talking to customer service in both the mortgage and checking departments. I have filed an internal complaint and messaged them using every method. It has been 2 months and they have taken my money but neither credited it to my mortgage nor returned it to my checking. I was told at one point that I may just have to file a suit to get it back. This is their error and they need to fix it, but the total inability to get help makes it impossible. I have been a  customer since XXXX and have never been in default on anything. I dont know how to make them give me 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 non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing.

today i called them again and went police dept i will mail again police  investigation report and XXXX XXXX  closed docu. 
plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''.

As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
I had XXXX XXXX XXXX  XXXX at XXXX XXXX - XXXX XXXX XXXX XXXX, I was seen in XXXX XXXX  on XX/XX/2018, and XXXX  on the next morning. I received a bill from XXXX XXXX XXXX XXXX for {$1400.00}. I sent them a letter after getting a bill for their services, I sent them a letter with all the information for my Kentucky XXXX, so they could get paid. Never heard anything until I received a letter from collection agency. I called XXXX and spoke to 2 people and they informed me that XXXX XXXX XXXX XXXX had never submitted a request for payment for their services. When on the phone with XXXX they informed me that a bill must be submitted within 1 year from the day services were done. So XXXX XXXX XXXX XXXX never sent a bill to XXXX to be paid even though they had all the correct information to bill XXXX. So I believe they messed up on the billing and then turned it over to Wakefield and Associates for collection. The collection agency thinks that I should pay the bill even though I wasn't the one who forgot to submit a invoice for payment. I am attaching all documents that I have concerning this, to prove what I stated above. The letter from Kentucky Cabinet for Heath and Family Services states clearly I had no co-payments or deductibles to pay.

Company response to consumer: Closed with explanation