vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 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: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ BANCO POPULAR , PU .. A Balance of XXXX Opening date XXXX XXXX, 2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Oh or about XX/XX/XXXX I deposited a check into my Bank of America account from my credit union account. The check was for {$3000.00}. 

On XX/XX/XXXX, the credit union process that check and the money went to Bank of America. BANK OF AMERICA XXXX said the funds would not be available until XX/XX/XXXX. 

I called customer service and was told that as soon as the money came through it would be made available anytime between the day I called which was the XXXX until XXXX XXXX. 

I then went to the bank and attempted to access the {$3000.00} and was told that I should go to the credit union and have them cancel the check and give me the cash and then come and deposit the cash. This happened today. 

The credit union Prepared a statement for me saying their money had been transferred to Bank of America and they were unable to cancel payment on it. 

An employee at Bank of America told me that the manager has the discretion to override holds on checks. When I return to Bank of America they said theres no way that a manager could release any part of the funds that were on hold and that I would just have to wait till the XXXX. I was also informed that there was no one higher to whom I could appeal to secure some or part of my money. 

The employees were very nice But reiterated they were unable to help me. So, here I am no money in the credit union and no money in Bank of America and {$3000.00} floating somewhere. In the meantime I am missing payment deadlines and accruing interest on bills.. 

I have been a customer of BANK OF AMERICA since they were Nations bank and maybe even before then. I have had loans and paid them off, two house mortgages and paid them off, and a strong supporter of this bank in the past. 

{$3000.00} is a lot of money for the bank to hold onto for almost 2 weeks. It came from my credit union account and as always I have deposited checks via mobile deposit into Bank of America. This is the first time I have encountered them holding onto my funds without allowing some access.

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 2019-11-12 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: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-12 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: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TX

Complaint narrative:
After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ XXXX XXXX , PU .. A Balance of XXXX.. Opening date XX/XX/2019.  That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except Equifax ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TX

Complaint narrative:
After reviewing my credit report ongoing .. There's a collection Agency..XXXX XXXX XXXX , XXXX .. A Balance of XXXX Opening date XX/XX/2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..

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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am asking for help because I received 9 overdraft fees but I did not receive the notification while withdrawing funds from my account. 

I had no way of knowing that my account went over the limit. In addition, I had more than enough funds in my other checking accounts that I could have transferred to avoid such high fees. 

Can you please help? 

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 monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARMEL FINANCIAL CORPORATION, INC.
State: TX

Complaint narrative:
After reviewing my credit report ongoing .. There's a collection Agency. CARMEL FINANCIAL. A Balance of {$5000.00} ... Opening date XX/XX/2016. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing in good standing right now, with 3 late payments. i don't care if the account is showing in good standing!!! it does not belong to me and I'm not about to be liable for it. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureau 's to have it remove ... This is Really starting to be a pain!!!! .. Because what they are reporting is not accurate and it's Fraudulent.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: UT

Complaint narrative:
Enhanced Recovery Collection/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. Enhanced Recovery Collection/ XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. Enhanced Recovery Collection/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
This is in response to a recent claim regarding account # XXXX, which PROFESSIONAL FINANCE CO claim a collection account on my credit report, stating I owe {$210.00} Which I found on my credit report and have been trying to come in contact with the company via mail but always get my letters returned with no luck of finding anyway to come in touch with them. 

To PROFESSIONAL FINANCE CO I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receiving this may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
I wished to be contacted by the company via Mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Purchased a new vehicle and wanted to pay cash. The dealer pressured to finance XXXX. I did but stepulated only for two years. After over 2 years called for balance. Turns out the financed it at their own discreation and chose 6 years at a very high rate. And added several protection criteria. Like loan protection, loan assurance and others increasing the loans amount. Please let me know what is going on. I am a XXXX XXXX XXXX VeterAn with a fixed income. 
XXXX XXXX XXXX. 
Very worried I can be reached at XXXX XXXX Thank You. I appreciate your responce

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 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. XXXX  XXXX XXXX XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed 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 2019-11-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Brclysbankde XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of Barclays and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX/ XXXX XXXX   did not send me any notifications or my 30 day right to dispute letter. XXXX XXXX XXXX/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed 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 2019-11-12 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-11-12 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: Credit Plus Inc
State: CA

Complaint narrative:
XXXX XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of XXXX and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues. 

I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account. 

However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee. 

Again, this was the first time this ever happened and it was an accident. 

Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX. 

So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account. 

I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor. 

So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute  phone call every time I make a payment if I want it to be applied. 

I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed. 

Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.

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 2019-11-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Approximately in XXXX of XXXX the holder of my HELOC, XXXX XXXX XXXX  contacted us to let us know the original note was coming due. I started working with XXXX XXXX to generate a new loan in XX/XX/XXXX. I over the next couple of months I gave permission to pull credit and delivered relevant documention. I was told it was undergoing review. Approximately in XXXX XXXX I tried repeatedly to get status, but calls to my contact always went to voicemail. I eventually found a manager at the bank who told me the woman handling my account had left the company a couple of months earlier, and that no one had been monitoring her message. Nothing had been approved. I contacted another bank and started negotiations to have a new mortgage that would combine my current mortgage and the HELOC. I had updated XXXX XXXX that we were processing a new mortgage and continued to make payments on the HELOC. My new loan processed finally. Notification of the payoff to close the credit line was sent to XXXX XXXX on XX/XX/XXXX. What I did not know was that XXXX XXXX was under acquistion by XXXX XXXX. No one at XXXX XXXX disclosed this. Despite assurances from me and my new mortgage holder, XXXX XXXX XXXX, XXXX XXXX listed the loan as a charge-off ( I presume to make the books look better for their new owner. I contacted XXXX XXXX  again in XXXX asking them to remove the charge off, but they refused. I recently asked XXXX to remove the charge-off, but they only sent a confirmation of payoff of the original HELOC.

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 2019-11-12 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:
upon viewing my credit report I have come across several discrepancies reflecting accounts that were opened fraudulently

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 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had money sent over to my account ( XXXX  to paypal ). Paypal, however, closed my account without warning and is now withholding the funds for ~ 180 days.

Company response to consumer: Closed with explanation