vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In 2017, I had an business checking account closed by BBVA ( now is PNC Bank ) and issued a check for the remaining balance of {$650.00}. I've never received that check and never cashed it. I've told by a BBVA representative about the check was deposited in FL at some credit union. I have been emailed the Affidavit for forery-negotiable instrument form to BBVA at XXXX a few times never heard back from them Thanks so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a collection on my Experian report and another account I don't recognize that don't belong to me, I have written and called Experian to remove this and no luck. Please help.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sold my home and paid off my loan in full with XXXX XXXX XXXX. 

They failed to remove my paid-in-full balance so I filed a dispute with Experian. 

Up to this point I have had perfect credit for 50 years. 

On XX/XX/XXXX, XXXX XXXX XXXX, not on my credit report, but in their response to Experian. used someone else 's credit information on my account in error. Specialized 's dispute response said erroneously ; 1. That I had missed two payments 2. That I was 60 days past due 3. That I paid off my loan for less than the legal amount owed. 
ALL OF THESE WERE FALSE AND NEVER APPEARED ON ANY CREDIT REPORT. 

Experian/FICO took this response and lowered my FICO score XXXX points in one day. 

I contacted XXXX XXXX XXXX and explained the situation and they kindly corrected the error with Experian/FICO within 72 hours and apologized. That should have solved the problem but it has been a year now and the problem still exists. Here is the problem ; When Specialized corrected by record Experian/FICO only made the correction on one of my FICO Score Cards, my FICO Score Card # 8, which went back up XXXX points. THEY DID NOT HOWEVER MAKE THE CORRECTION ON ALL MY OTHER FICO SCORE CARDS ( There are 7 OF THEM ). All which to this day still show the false derogatory information set forth above. The 7 score cards are damaging my reputation and credit. I can not buy a car or get a new bank card with the false negative information they still have on my FICO score cards. 

When I filed my last complaint with you, ExperianXXXXFICO responded they rely on the creditor information. The creditor in this case did correct the record but Experian/FICO did not. IT IS UP TO EXPERIAN OR FICO TO CORRECT THEIR OTHER SCORE CARDS. A CREDITOR CAN NOT DO THAT. AND, NOWHERE CAN ANYONE SHOW IN MY 50 YEARS OF CREDIT HISTORY THAT ANY DEROGATORY HAS EVER OCCURED. 

On XX/XX/XXXX I sent a certified letter containing dozens of pages of proof to Experian Legal Department following their specific instructions. All they did was open up a new dispute with XXXX XXXX XXXX which will accomplish nothing. XXXX already shows me with perfect credit and paid off as agreed. There is nothing XXXX XXXX XXXX can do to correct negative information still appearing on my FICO SCORE CARDS 2, FICO AUTO SCORE 8, FICO AUTO SCORE 2, FICO BANKCARD 2, FICO BANKCARD SCORE 3 AND FICO BANKCARD SCORE 8 all which are currently reflecting erroneous negative information.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.

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 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
i have been dealing with some financial set backs last couple months, losing work, missing more work due to catching XXXX  and fraud with my bank accounts declining payments i made causing my checks to come back and the bank paying off another automatic payment instead of the ones i authorized first to pay causing me to get behind on multiple bills. My car payment being one of them. I have been on time with my payments evne a year on furlough from XX/XX/XXXX til i returned back to work on XX/XX/XXXX, i still made an effort and never got behind on my payments until now. Good thing is i will be caught up middle of XXXX next month. A problem is now due to the declined payments ( even though i had enought money in my account to cover it ) this company has blocked any payments from me using a checking account, debit or credit card. I had my Bank even do a bill pay and send them the money so i 100 % gets to them, but my bank sent the payment to me instead. Now this company wont take my payment over the phone, and i been trying to pay it all month and last week. they said i broke my arrangements, and I have to go to XXXX XXXX to pay it. I tried paying XXXX XXXX with my credit card today but my credit company wouldnt allow it. last couple months i have been approved for refinace though other leasing companies that both of them have my intrest rate dropping more than 11 % with payments dropping $ XXXX {$65.00} less a month. Due to XXXX  and loss of work i just didnt think i should change things since i had been paying my car note and rent with my savings and early retirement i had taken out late XXXX to survive. i probably shouldve sent the car back then since i couldnt work and had no use for it. But, i dont want to mess my credit up since i worked hard to fix it and remain determined to get it up to a place i never had it before. I just want to make a payment today, or tomorrow. i also want to pay another monthly payment on the XXXX of this month.. that will be two months paid this month. After that i want to pay XXXX XXXX payment on the XXXX XXXX XXXX. But, will i be able to? will this company take a payment from me? I am begging them, just take my payments please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC XXXX XXXX. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me emotional and physical distress.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The Truist Bank located at XXXX XXXX XXXX XXXX in XXXX North Carolina XXXX is abusing overdraft fees and incessantly charging customers unethically. Arranged configured alerts to notify customers of an overdraft are not being delivered timely and Truist is taking advantage of customers while offering no service or reasonable solution. 

The Truist mobile and online banking platforms erroneously market and sell real time updated data availability to their customers but are lying and fraudulently selling this service. Truist then entraps customers in a repeated overdraft fee cycle while falling to honor established alerting notifications that allow a customer to rectify the balances. 

" Truist online and mobile platforms do not reflect accurate accounting balances in line with what they market and sell. '' I was charged 5 consecutive {$36.00} dollar overdraft fees on the same day and time without a pre-configured and arranged alert message being received to notify me.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Consumer advised Bank of America over the phone and later-on via a complaint filed on XX/XX/XXXX that is still available in CFPB database requesting an opt out of overdraft fee. Bank of America fraudulently kept the consumer in opt-in status thus charging two {$35.00} fees for a {$3.00} and {$4.00} charge in XX/XX/XXXX. This complaint represents a new perspective to a previous compliant and highlights the concern that Bank of America is fraudulently collecting its fees despite consumer not wanting to be in the opt-in for overdraft fees. 

The following consumer request is still in CFPB prior complaint dated XX/XX/XXXX " I would like the bank to reverse the {$35.00} fee, Opt me out of the over draft protection that I never signed for and apologize.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: OR

Complaint narrative:
I am a Client of Keybank who has been barred from calling or entering a KeyBank Facility due to not wearing a mask in their branch. After KeyBank made an error that they refused to fix, I filed a complaint with the CPFB. After filing the complaint KeyBank 's solution was to close my accounts and " exit '' my relationship. They closed my XXXX deposit accounts, but my mortgage, credit card and investments are still at KeyBank. I received a letter threatening me with legal action if I call or enter a Keybank facility. I can not call to get my online banking unlocked. I have also elected for online tax forms and mortgage statements. I have to send my XXXX XXXX XXXX son into the branch with cash to make the payment. 


I sent a letter to XXXX XXXX but haven't received a response in 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying idiots to remove these XXXX accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. XXXX XXXX is the absolute XXXX. Only a few short days after i submitted the last complaint exposing the company XXXX XXXX XXXX ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. XXXX XXXX never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from XXXX XXXX. 
XXXX XXXX retaliated on me as if this is a personal issue. Please see ALL attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OH

Complaint narrative:
I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. XXXX XXXX is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company XXXX XXXX XXXX ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. XXXX XXXX never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from XXXX XXXX. 
XXXX XXXX retaliated on me as if this is a personal issue. Please see ALL attached evidence.

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