vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The first time they gave me a link with how to do it. But it seems that every time I try to set up a 3rd party withdrawal I have to contact them again and wait for some site link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I transfer {$500.00} with Remitly on XX/XX/20, was advise my money will be in XXXX the next day. The money was never deposit and I was given the run around for over a week. Then I was told i was able to cancel the transfer, which I did on XX/XX/20, and was advised the money will be deposit to my XXXX  XXXX XXXX in two days. Today is XX/XX/20, and still don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX    account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX  credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported. 
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
During the phone call from Credit Management on XXXX I notified them that debt to XXXX  was not due and gave info from XXXX  to confirm. After another call from Credit Management, I informed them on XXXX that I did not owe the debt and gave the information from XXXX  to confirm this. On XXXX I received a bill from Credit Management attempting to collect the same debt. On XXXX I sent a certified letter to Credit Management regarding the debt they have been attempting to collect and that I did not owe the debt and requested proof that I owed the debt. Postal service verified letter was given to an individual on XXXX at Credit Management in XXXX Texas. I have received no correspondence from Credit Management. On XXXX I received phone message from Credit Management to call them to prevent legal action. That number was XXXX. The original debt came from XXXX. I have XXXX  confirmation ticket number XXXX from XXXX confirming account corrected. XXXX  apologetic account was not closed properly as I did return the equipment on XXXX, ticket # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by an agent XXXX XXXX from Medicredit for XXXX accounts that my wife had in collections from XXXX  XXXX. Those are XXXX and XXXX for XXXX & XXXX. I was not going to deal with them directly because they are horrendous at calling daily over 3 to 4 times a day. But XXXX went to his manager and offerred me a setttlement offer for a totsl of {$880.00} Relunctantly I agreed given the word that this would be removed and the accounts be closed. The agent made a mistake in his computer and called me back 2 days later to tell me he did not process the payment correctly and asked me for a check by phone. Both of these calls were recorded, the accounts were notated and the information sine dealing with HIPPA the agent notes can be seen by the original creditor XXXX  XXXX. Medicredit has denied payments were sent and asked me to repeatedly send in the deposited checks from my bank of which I have sent to them 15 times. The day the agent XXXX took the payment one of the accounts was transfered back to the original creditor whom deposited the check. Now we are in XX/XX/XXXX and no one calls me back from both, I am being bombarded with harassing calls and every agent is giving me the run around. The calls are all recorded and the notations are there on the account. Now if this is not resolved I am now having to seek legal representation to take care of something that was promised to me. I gave them my hard earned money on their word and they both are failing to stop collections activity on me. My credit score is dropping daily because they keep fighting me on the account. I have reached out to all bereaus and filed claims but thsi horrendous creditor fights each dispute with verocity. This is illegal for them to take money and not resolve their own issues when each call is recorded. I am reporting them because I have all my documents on each call made and person I have spoken to at both Medicredit and XXXX  XXXX. 
Do not ever give these people money unless you have something in writing. This has been a nightmare since day XXXX with them

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Sunday XX/XX/2020 I deposited Cash into the ATM at XXXX XXXX XXXX XXXX, XXXX Florida for the amount of {$3000.00}. The ATM had technical Difficulties and did not process my transaction however did not return my cash either. It gave me a receipt stating I must return to the branch when it is open to " reclaim or receive my items deposited ''. The very next mourning on Monday XX/XX/2020 I went to the bank to do so. The bank said I need to file a dispute so I did. I just called the bank corporate number and they said the dispute is closed and no credits issued! I have filed a police report which I will attach the case number. I made this deposit between XXXX and XXXX on XX/XX/2020. I have attached proof of everything.

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX we closed escrow on our home with Cash Call Mortgage/Impac Mortgage. We funded our escrow account with {$310.00} for homeowners insurance. XXXX sent a bill for homeowners insurance to cash call for {$940.00}. On XX/XX/XXXX Cash Call paid {$1000.00} to XXXX for our homeowners insurance. 

Cash Call sold our loan servicing to XXXX XXXX XXXX in XX/XX/XXXX. We received an escrow activity report from Cash Call on XX/XX/XXXX stating that {$1000.00} was paid for homeowners insurance and leaving a transfer balance of {$770.00}. 

On our XX/XX/XXXX mortgage bill from XXXX XXXX XXXX was a {$99.00} charge for escrow. When we inquired about this charge we were told by XXXX XXXX XXXX that Cash Call stated that they were owed {$1000.00} on the account. 

As a side note. In our purchase there are 9 parcels of land. Cash Call paid property tax of {$99.00} and {$77.00} on 2 of the parcels on XX/XX/XXXX. This does not show up in their escrow activity report from XX/XX/XXXX. 

We contacted XXXX XXXX Loans about paying our property tax for all 9 parcels. They said they were only aware of 2 parcels and would only pay those. At that time we chose to close our escrow account with them and pay our taxes and insurance ourselves. 


When talking with XXXX XXXX XXXX they said we had to contact Cash Call Mortgage. When we contacted Cash Call Mortgage on XX/XX/XXXX they said XXXX XXXX XXXX has to resolve it. 

In summary, our questions are : 1 ) If our homeowners bill was {$940.00} why was {$1000.00} paid? 
2 ) Why is Cash Call saying 4 months after they sold our loan that we owe them money? 
3 ) Why didn't XXXX XXXX XXXX notify us of this claim by Cash Call and add it to our bill? 
4 ) Why can't either of these companies tell us what it is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXX on my XXXX XXXX account and they were required to pay all billing while I was out on maternity leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and XXXX with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX FIN XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have done a chargeback on an airline due to covid-19, after waiting around 60 days I get the notification that I have been awarded the dispute. So they return me the money and now I had a negative balance of around {$6000.00}, on XX/XX/XXXX at XXXX XXXX I contacted with XXXX asking if they could transfer me the money to my checking 's amount and I told them if they could transfer {$5000.00} back to my account. He told me he would do that and I waited. Again I messaged them on XX/XX/2020 if they could transfer me a balance of now of {$4000.00} since the negative balance had gone lower than {$5000.00}. XXXX told me that it would take 2 to 3 days, I waited and once again I haven't received my transfer. I again contacted citi support on XX/XX/XXXX with XXXX telling him that I have tried 3 times and it's almost been a month and they haven't transferred my negative balance to my checking 's account. He said he would take care of it and wait for 3 and 5 days for the transaction to be completed. It's now XX/XX/XXXX and I haven't received anything. I just want my negative {$4000.00} back to my checking 's account without being told to wait and nothing ever happening

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was looking at my transaction history on my Bank of America pre paid acct that I get my unemployment benefits from and I noticed MANY Atm cash withdrawals starting on XX/XX/2020. Started with {$100.00}, {$200.00} then many more at different atm locations on XXXX XXXX even tried on the XXXX of XXXX. Luckily I had canceled my card by that time but they were still able to withdraw approximately {$2600.00} I have no idea how this could have happened. I never misplaced my card or ever let anyone use it. When I contacted the bank they canceled the card but they said I would need to talk to someone in the claims dept for the fraudulent charges so when they transferred me there I could not get through. I was holding for hours and then I would get disconnected. I tried for 2 days finally I got through during those 2 days I had filed a police report so when I spoke to the claims dept they told me I did all the right things my claim should be taken care of quickly. Etc. no more then 10 business days should I see my provisional credit on my account. Its been 10 days and I havent seen any credit or any update EVERYTIME I CALL THEM they always give me the run around and nobody knows the status or whats going on. This company is a joke. I dont know what to do anymore.

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 2020-06-24 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: CO

Complaint narrative:
I have on 3 occasions reached out to Transunion, XXXX, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

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 2020-06-24 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX  XX/XX/20 XXXX XXXX  XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
They claim that I have a XXXX  account 7 years ago and they forward it to collection recently in the amount of {$1400.00} and its southwest credit system, I did contact them trying to explain that this is not my account and they didnt care also I contacted XXXX  and they researched and didnt find an account under my name this is a complete false reporting and I need your help to fix it plz I am trying to buy a house and this is effecting me a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-06-24 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX  XX/XX/20 XXXX XXXX  XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

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 2020-06-24 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: GA

Complaint narrative:
I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX XX/XX/20 XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I bank with Navy Federal Credit Union. I had my EIDL SBA loan deposited there. They froze my account yesterday with no explanation and no request for information. They will not explain anything to me, they won't listen to me and I have no access to my Checking account, investment accounts, credit card or even my car loan account. I've been an account holder since XX/XX/2011. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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