vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hello, I booked a trip through XXXX the trip was scheduled for XXXX XXXX XXXX and was canceled by XXXX  itself due to the Covid 19 Pandemic on XX/XX/XXXX Since the cancellation of the trip I have been trying to get in contact with XXXX  with no success because they have shut down their facilities and not responding to anyone. I have also filed a dispute/claim with my bank in which I have been denied and was told they are still waiting on the consumer ( XXXX ) and that they have 120 day window to return a response. I called my bank again to do a follow up on XX/XX/XXXX and was told I have to wait until XXXX opens back up to talk with them about my refund but I do not see that happening in any way. There have been several other fraudulent activities with XXXX   as well as my own. I have filed a police report with the XXXX XXXX police department for the return of my funds as well.

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 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IN

Complaint narrative:
015. Americollect INC Americollect INC has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX XXXX of Indiana to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I called the servicer today and am on hold for over 30 minutes to answer 2 very easy questions. I received a loan modification several years ago. My questions was easy. I wanted to know what the FINAL RATE was based on my loan modification agreement and to please mail me a copy of this agreement.

It has been over 32 minutes and this representative can not answer my questions or find the agreement. 

Also, this lender has reported that I was late on my mortgage in XXXX and XX/XX/2019. I was never late on my mortgage. Never. This needs to be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since the crisis due to covid, I was only able to make partial payments on my account. But the high interest charges are too much to bear especially with the economic downfall and loss of income. I already paid my balance in full but the high interest charge remains. I called the credit card company and wouldn't give any consideration and says the interest charge was valid. 
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 monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of  deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is not properly monitoring my credit report and score. They are unwilling to work with the consumer to make adjustments to reports that could increase scores. Items that are indicating would raise my score I am unable to attain because my score is so low. I can not acquire a mortgage or loan while it is suggested that I do so to increase my score. I need my score to read GOOD standing in order for me to be in good standing. There is zero opportunity to increase my score with Equifax. They would like the consumer to be patient with them however in this pandemic no one is being helpful. 

In fact Equifax could not give me a respectable answer as to why my score was low. They did tell me that because I dispute something on my report that brought my score lower. WHy would disputing something that they are already reporting that is affecting my credit score bring it down lower? Is that retribution for challenging them? How is that fair to the consumer. The consumer should have the right to challenge their report and score with ZERO PENALTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MO

Complaint narrative:
At the end of XXXX XXXX, XXXX, and Experian all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  XXXX XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX  judicial circuit county of XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with XXXX  on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted Experian. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Eviction Report of Inaccurate Personal Info, 1 case of address never lived at residence, the other two cases were filed and dismissed with comments from attorney representing the cases. Evictions filed with notes should be reported. Also, paid for rental history to be updated and frozen until this matter is resolved. Trans union has not complied with credit freeze for public records or accounts after initially making a payment to do so. Inaccurate credit reporting of accounts, public records and personal addresses are illegal. I am prepared to file a lawsuit for violation of my consumer rights if not addressed. These records for rental history had already been sealed by the jurisdiction they were filed in.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian stated to me outside of sending this information to the CFPB that The company reported the information to them has certified to Experian that the information is accurate that I had a bankruptcy. I am requesting a copy of that CERTIFIED INFORMATION be sent if to the CFPB I want to review the document that I know is fraud because I have never had a bankruptcy. and if experian fail to send this CERTIFIED INFORMATION AND ATTACHED A CERTIFIED COPY HERE this item must be or I will exercise my legal right to sue EXPERIAN FOR FRAUD. 

I will not accept any information to be accurate unless it is attach here. Experian should not not have anything to hide from the CFPB.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that was dated XX/XX/XXXX that I was approved for credit in which I did not apply for. I called Equifax about the hard inquiry and was told I cant dispute it and XXXX XXXX XXXX would have to remove it. Ive been talking to XXXX XXXX XXXX since XX/XX/XXXX along with Equifax to get this removed with no luck. Ive spoken to XXXX XXXX XXXX theft and identity along with numerous other departments with no luck. XXXX XXXX XXXX does not have accounts for me and they are telling me they didnt run my credit. Equifax told me theres nothing I can do about it. As a consumer how can I just sit and allow a credit company put something on my credit that is not true. My last conversation with Equifax this morning resulted in XXXX a supervisor telling me that XXXX XXXX XXXX denied me credit that is why I have a hard inquiry. I again explained to her that I did not apply for anything with XXXX XXXX XXXX. She said obviously you did and they decide you thats why you have an inquiry on your credit. I am the consumer and this is false information being reported about me and I will not stand for it. XXXX went on to explain that any hard inquiry on your credit is a denial of credit. I find it hard to believe someone who is supposed to be a supervisor at Equifax would say some like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/20 - A fraudulent XXXX account was set up from mine and my sons account and there was a transfer to XXXX XXXX for {$980.00}. PNC told me that this was initially denied and someone called in to find out why and they were verified and it was approved. 
XX/XX/20 - There were several other fraudulent transactions at stores that were all refunded back after submitting a fraud dispute at my local branch. 
XX/XX/20 - Submitted an escalation request at my local branch because the {$980.00} was not refunded. XXXX said that the transaction was verified. 
XX/XX/20 - Spoke to XXXX XXXX with PNC and she was going to get more details on the transaction. 
XX/XX/20 - Spoke to XXXX with PNC as I hadn't heard from XXXX. He did tell me that the account for XXXX XXXX was flagged as fraudulent and he said I should submit a dispute with XXXX and he transferred me to XXXX. 
XX/XX/20 - XXXX said that I can not submit a dispute with them, only through PNC. 
XX/XX/20 - Left message for XXXX. 
XX/XX/20 - XXXX called back and asked that my son call for her to do a voice comparison with the recording of the verification. My son called her 3 times and left messages and she never returned his call. 
XX/XX/20 - Spoke to XXXX with PNC and he put in for another escalation. 
XX/XX/20 - Spoke to XXXX with PNC and he verified that it was my son 's phone number that must have been spoofed to gain the approval for the transaction. 

I have asked several times to get a copy of the phone call that was received to verify the transaction and was told that I will need to subpoena them for the records. I emailed XXXX back in XXXX to ask where to send the subpoena and hadn't heard anything back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
In XXXX of XXXX I started to refinance our home, with a closing date of XX/XX/XXXX and today XX/XX/XXXX I have still not closed or heard from Round point. I have spent the last 2 weeks trying to call and email to get a status on the loan. I have tried my processor and her supervisor with no luck. I have been on the phone holding for 2 hours a day to be hung up on. No one answers emails or the telephone. 
I have saved every single email and my phone records. This company has no values or customer service skills.

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 2020-06-22 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX. I'm a XXXX currently in practice in XXXX XXXX XXXX Utah. My complaint involves my credit score and what I consider an inappropriate reflection of my score to recent events. Late XXXX ( XXXX ; had inaccurately listed XXXX in prior complaints ) I had made the minimal payment for my student loans in preparation for the Covid-19 pandemic. Every other installment I had essentially " over paid '' to pay down interest and principle ( XXXX each month ). This minimum payment was made on time and in good standing w/ my servicer/lender. Making a minimum payment would result in several of my loans slightly accruing interest ( most by XXXX XXXX of dollars ). I was ok with this trade off as I was trying to save some liquidity in preparation for a global pandemic. I have had colleagues loose their positions or being asked to take significant pay cuts. I more or less was preparing myself for the same potential. Unbenounced to me, the small increases in my loans ( 1 time/interval ; overall trend is still going down ) would result in a 50+-70+ point drop in my credit score. This has in turn impeded my ability to receive a mortgage and I am currently unable to pursue a home I intended to purchase. The government would w/n days of my last payment grant all student loans in deferment to address the pandemic ( illustrating the degree of the matter and justifying my original concerns regarding preserving liquidity ). I feel this situation and my reflected current credit scores are a unfair representation of myself as a borrower and has caused me significant loss in my ability to purchase a new home ( made worse by further losses trying to purchase a home that I no longer qualify for ).

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I went to my local TD Bank branch ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XX/XX/2020 to deposit {$1000.00} dollars into my checking account. When I input the money into the ATM, the machine showed an error message and printed me a receipt stating that I had an issue with the {$1000.00} dollar deposit and the ATM swallowed the {$1000.00} dollards I deposited. The receipt said to reach out to TD Bank via call. I reached out and provided them the details and the Record number of the dispute. Upon them reviewing the incident, they compiled a review and determined an error did not occur. This money was to pay overdue bills and now I am struggling to find how I can get my money back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: VA

Complaint narrative:
There are inquiries on my credit report through Equifax in which I did not authorize. I have contact the companies and they told me to contact Equifax. However, when I disputed through Equifax they stated that they could not do anything. The following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
There are 3 Credit Ratings Companies ( Top 3 ) all give me a credit score from XXXX to XXXX out of XXXX. Now it is very puzzling when they decide to give someone a credit card, why they fail to use the credit score? Or why they refuse how good this guy credit rating is? 

when I go buy a car, They tell me your credit score is in 5 percentile and very good. 

I have had business both personal and corporate with Wells Fargo BanK long before that started with XXXX XXXX XXXX XXXX NC and then Wachovia Bank, all of these are now within Wells Fargo Bank. So there is a clear knowledge base for the company to make decision. Nothing more important than the Credit Score which clearly show the character of the person getting the credit card. I had never had a returned check through out the 50 years of work experience and never failed to pay my bills, if they were mine, and not paying them ontime. 

The excuse they bring is " you need to do things to improve your credit score ''. This clearly show the persons who is actually reading and sending out these letters are not highly qualified people. 

The only plausible explanation is the pure prejudice because of my XXXX name, which by itself does not necessarily determine the character of the person. 

I would like to send you the two letters I received from these folks and you would explain how this can be anything else other than prejudice. 

The letters provide details needed, I did not include those details here. 

Please allow me to know how I can send you the letters from Wachovia. 

Sincerely

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 2020-06-22 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: MD

Complaint narrative:
ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( equifax and XXXX  ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.

Company response to consumer: Closed with explanation