vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: WA

Complaint narrative:
My husband passed away in XXXX. My bank statement for XXXX showed social security deposited his money into our account, three days later it was taken back out. I assumed social security did this. My appointment with social security wasn't until XX/XX/2019. I asked about them doing this, social security informed me they did not take back XXXX 's money because that check was for XXXX. He said my bank did that to me. I stopped by our bank, Banner Bank, to ask why they did this to me and how they had the authority. Also they did not send me any kind of notice.They said it was their bank policy, I asked many times to see their policy and it was never given or shown to me. They did not have the authorization to do this, not from me and not from the social security office. Not to mention what they did to my finances at the time also dealing with my husbands death. I know I am not the only one they have done this to. I plan on leaving Banner Bank and spreading the word on how they do business.

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 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

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 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: KY

Complaint narrative:
Received a call from someone who said he was an attorney and was filing grand larceny charges if I did not pay balance in full today. Tried contacting CashLand directly but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX {$1000.00} balance transfer was sent to XXXX XXXX, XXXX never received the payment or posted the payment to my account. Now I have a balance of {$1000.00} on my account. I never received a physical copy of a check or any type of verification from chase bank that a balance transfer was approved or completed. I called and spoke to a representative and advised the check was cashed, there was no check ever sent to me and its nothing to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. 

In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. 

I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. 

On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. 
Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. 

It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. 

See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '',  and bank statements that shows my payments to PNC Bank. 

PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I have attempted repeatly to contact a representative with this company requesting that they validate the alleged date they claim I owe bearing my signature over 30 days ago, they have failed to do so, my rights according to FCRA is gravely being violated. also this company is reporting this debt twice, duplicate accounts which is challenging for me to obtain credit.

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was away XXXX to XXXX of this year an ex-girlfriend looks to be responsible for several unauthorized charges on three of my credit cards who continue to report negative status to all three bureaus in violation of the fcra rules when it comes to unauthorized charges. This is negatively affected my life and it's starting to compile and snowball other cards and I've heard stories of where it's heads and I'd like to see pfb to enforce the rules that it's put together to enforce and have the banks comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I signed up for the card in store and made a purchase. I never received the card in the mail, nor a statement for the charges. I periodically receive 10-15 calls/day from the bank collections department and make a payment when I speak to them. Over this time, I have been charged late fees for EVERY SINGLE month, even though I make payments when I am contacted. The representative I was speaking with was laughing at me and was disrespectful when I explained the situation. Based on notes, she could see I have said the same thing in the past. No card, no statements, no account number. I have not had the info needed to call the bank myself at the number provided XXXX which expects the account number. When I am contacted, I make the payment, even though they are calling so many times over multiple days. I do not have a problem paying what is owed but am now only paying for the fees they are charging, not for good purchased. Today I paid the rest off so I would not be contacted anymore but am filing a complaint for a refund of the {$120.00} I was advised were strictly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX service was requested discontinued. Service Tech came to house and collected equipment. Some time later a bill was sent for about 5 months service charge and a charge for other unreturned equipment. No notice was ever given to customer about additional equipment to be returned. When customer received bills after service was cut off, and asked for clarification of the unjust charge, it took XXXX XXXX XXXX extensive time to determine what the charge was for, and once notified, idle equipment was returned by customer and credit issued for the equipment charge. 
However, no credit was issued for the 5 months of time when no service was provided and no use of service was made. 
XXXX XXXX XXXX refused to credit the time although they had both neglected to pick up all equipment at the time of last service call, and failed to notify customer of any further obligation to return the equipment in question. 
XXXX XXXX XXXX is attempting to bill customer for a period of time after service was cancelled and for which period of time no service was provided or used.

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 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
I used TransferWise to make a bank transfer in the amount of {$3000.00} from my XXXX XXXX Account to my bank in XXXX, XXXX on XXXX XXXX. They sent me an email saying the money was sent on XXXX XXXX to my XXXX account. They took the money as an ACH, which means my own bank in the USA can not get involved in this transaction. The money was supposed to be in my bank account in XXXX around XXXX XXXX or a few days after, as of today ( XXXX XXXX ) I have not received the money. My bank in XXXX has made numerous checks over the last few weeks and say no money has been received and there is no indication that money is on it's way. I have called TransferWise numerous times, sent countless emails to no avail. They keep telling me they are investigating the situation, but have not provided me with any information. I have evidence of all the calls I made to them and all the emails I received and sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Made a {$200.00} cash payment to my credit card at the Bank of America ATM in XXXX XXXX XXXX in MD on XX/XX/2019. ATM said they couldnt accept some of the cash, and then the screen froze, eating the money. It spit out a receipt with a number to call. This is the 2nd time this has happened to me this year, the first time was with a check. When I called the number I was transferred many times because there is somehow an issue over who is supposed to handle these kinds of disputes. When finally someone took my claim they said it could take 2 billing cycles to investigate, which is rediculous. All they need to do is check the atm and it should be over {$200.00}. I think now I learned my lesson and will no longer be using ATMs especially from Bank of America.

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received an offer from the XXXX XXXX division of Bank of America on XX/XX/19 which had the following for the offer terms : Fund your account with at least $ XXXXXX within 45 days of the date of this letter and maintain a qualifying balance of at least that amount or greater for 12 months from the date of the deposit. We will deposit your cash reward of $ XXXXXX within two weeks of that date. 

When I checked with my contact at XXXX XXXX on the status of my cash bonus, I was told I was to get the cash bonus in 1 year, not 2 weeks. This offer was very misleading. It should have been checked by compliance. The end of the first bullet should have been clearer with something such as We will deposit your cash reward of XXXXXX within two weeks of the 1-year anniversary of the account opening date. I agreed verbally to maintaining the required balance in the accounts for 1 year+ to earn the bonus which is different than agreeing to get the bonus in 1 year. 

XXXX XXXX had XXXXXX investigate my issue. He said there is nothing they can do about the cash bonus and gave no explanation for the wording of the offer. He said if there was something wrong with the wording, maybe compliance would change 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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been dealing with Capital One since XX/XX/XXXX when my account was hacked for XXXX. A new card was sent out to XXXX, New York after I informed Capital One that they should make no changes without notifying me. This happened 5 more times and I finally closed the account with a balance. I never had issues before with fraud and asked if it was an inside job. Later to find out on the news that an employee hacked several accounts. Capital One took over Walmart and now that card has been hacked and after talking on the phone with Capital Ones Fraud Department for over an hour last night XX/XX/XXXX this morning I get an alert that my new card will be sent to XXXX, New York. I have alerts on my credit reports and only experiencing this with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services does not have a way to report fraudulent information, and there are Inquiries on my Early Warning Services report that I have not authorized nor did I apply to any of these companies. I am a victim of identity theft, and per law 605 ( B ) I have a right to request information resulting from fraud or Identity theft to be blocked from my consumer file. These inquiries are listed below, and I want Early warning services to correct it immediately. 

Inquiries - XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE EQUINOX DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.

Company response to consumer: Closed with explanation