vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
( ONEMAIN ) at ( XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX  ) has been sending me collection notices in the amount of ( {$0.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Smith, Cohen & Rosenberg LLC
State: VA

Complaint narrative:
In XX/XX/2020, I hired a copywriter who was persistently contacting me, rude, etc. Therefore I cancelled the relationship. I owed a balance and agreed to pay. The pandemic affected our business financially ( which was not why we discontinued ) but we notified that there would be a delay in payment. 

She hired an collector in XX/XX/2020. I notified them I was in the process of stabilizing my company financially, etc. and I would contact them once we stabilized. Repeated phone calls, emails, text messages ensued. Every week since XX/XX/2020. 

Finally, I was able to pay something however an emergency occurred and was unable to process payment. Again I notified them. 

I am currently waiting for another round of funding from the XXXX, the expansion XXXX. I notified them on my intent to pay once that went through. We have been waiting patiently during this process with the government. Again, notified them. Instead of listening they demand I pick up the phone when they call - which I am with patients as a doctor and am not able to just pick up the phone in a procedure. 

Not only that they call, text, email, call my office, leave messages, send text messages EVERY DAY since XXXX. After I have asked them to stop repeatedly and explained where we are with this case. This was a business account, yet they filed it on my personal credit. I have an XXXX XXXX. I am not a sole proprietor. I did not sign a personal guarantor. This is only a business debt and not a personal one. I explained that was not legal as well and they stated it depended on what state I am - actually not. I am tired of the constant harassments daily. I will pay the bill, but not under these conditions or in their time. We have all suffered from the pandemic- and I have communicated the entire time. I do not deserve to be treated this way. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
Hello- I just sold a property that was serviced by Caliber Home loans. When I got the payoff quote, I believe I was incorrectly charged. I signed up for a 6 month deferrment during the pandemic and i was told the mortgage was put on pause. I was insured by an advisor at the company the 6 months of payments would be added to the END of the loan. When I got the payoff, they included 6 months of principal + interest. So they collected the amount of {$19000.00} ( early ) and incorrectly. I would appreciate your help in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-06-14 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
CHASE is reporting a balance from a charge-off account to XXXX that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Capital One representatives claim they gave me {$560.00} to cover my debits and to make sure I had access to the full amount of {$1400.00}. stimulus on XX/XX/2021. That is incorrect. Capital One has never given any credit to make any of my deposits whole. According to the manager XXXX XXXX ( who refused to give his last name ) the false claim of credit Will be debited from my account on XX/XX/2021. The statement, letter and the description given to me by the initial representative XXXX and the manager XXXX is false, unproven,,,, negligent and predatory and incorrect. I need assistance to stoo this action and the predatory behavior by this national financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I spoke to a representative over the phone and was told that the account XXXX was under investigation again once I asked how was it " verified ''. The representative told me the account was being verified from the same exact agency that put the negative account on my consumer report. Congress knows that each reporting agency is supposed to abide by the laws of the fair credit reporting act. A real investigation pursuant section 611 is when the credit reporting agency interviews your family or neighbors and not the way they are illegally verifying information on the consumer. Transunion continues to break the law and do whatever they want. They must follow the laws of the FCRA. It's why congress put them there in the first place to protect the consumer. I demand Transunion to provide me all 3 things that section 604 of the fair credit reporting act says you must have if you're going to keep this on my credit report. If you can not provide I demand immediate deletion from my consumer report.

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 2021-06-14 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: OR

Complaint narrative:
XXXX is reporting a balance from a charge-off account to Experian that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and 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 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased an item on XXXX from XXXX XXXX XXXX in XXXX Tenn using my Suntrust debit card ending in XXXX. 

The shipment took almost a month from XXXX Tenn to XXXX Ga and was defective when it arrived. I emailed the Manager at XXXX XXXX to return the item and was told he was not taking any emails or calls for a return. So I disputed the charge of {$86.00} on XXXX with Suntrust by sending in an Affidavit and uploading all the pictures of the defective item. 

Suntrust sends me a letter from a third party XXXX asking for more information on XX/XX/XXXX. So I call Suntrust to inquire about the third party getting involved as I never agreed to have a third party involved on my banking decisions. 

I also sent email to Suntrust today at XXXX with all the additional defective pictures of the item. 

I just want to get my {$86.00} back for a defective item which is what I thought my Bank would do with a disputed item that is identified and verified with an affidavit. There is no resolution from Suntrust as of today.

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 2021-06-14 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
My husband and I moved out of an apartment and we were sent a final statement that said we had a balance of {$0.00} and the statement was not in my name. Creditor has repeatedly provided the same statement saying that I have to ignore the balance due and understand that I owe a debt of {$8300.00} and that the billing statement doesnt have to be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested to have PMI removed from my mortgage with Bank of America in XXXX. The bank agreed to my request to cancel PMI in XXXX. The problem is they have yet to adjust my mortgage payment and are still collecting the additional $ XXXXmonth and then returning that payment to me three weeks later. I've made numerous calls ( 5+ ) to correct this error only to be told my payment won't be adjusted until 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 2021-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
We have been trying to sell off assets of our deceased grandmothers estate, to which we are the executors. Simmons bank required us to spend money and submit documentation outside of the scope of what was appropriate or legally required by law. They refused to do business with us unless we provided and paid for a new title ( as is not required by law ( ( according to our attorney and a slew of tag agencies. ) They were incompetent- did not return phone calls, and essentially held our vehicle hostage until we provided them documentation. 

Is there anything we can do to complain about the incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: MI

Complaint narrative:
XX/XX/2021 I sent in information on a credit card, inquiries, and charge off on my credit report that is not correct and fraudulent. I gave them all the information and the charges are still there. 
Transunion, XXXX  never responded to my complaint. XXXX  added 2 more inquiries to my credit report. Those are not my debts from XXXX and XXXX XXXX. As well as late payments showing on my account.

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 2021-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
My name is XXXX XXXX. 

I am a PayPal user.

I have an account with PayPal with amount {$10000.00} which PayPal froze from me and promised to give it back to me within 180 days. 

At exactly 180 days, I got email that my password, security questions and phones numbers have been changed and authenticator being added to my PayPal account.

I tried to log into my PayPal account but I couldn't and I called PayPal but no one responded as they used covid as an excuse. 

I also got email that a card ending in XXXX has been added to my PayPal account.

The hacker withdrew my funds to this Prepaid card which isn't owned by me. 


On XXXX I spoke with PayPal customer service for the first time and reported the incident including the withdrawal and changes made to my PayPal account and the card which isn't owned by me in which the funds were withdrawn to. The PayPal customer Service opened a case for me with case ID : XXXX and the PayPal customer agent assured me that if Unauthorized use is found during the investigation, PayPal would refund me the full {$10000.00} and said I should keep checking my email for update.

Few days later I got an email that PayPal found Unauthorized Account Access and said case has been protected by PayPal.

I waited for the refund which PayPal promised but I didn't see up till now.

So I called PayPal agent again and a different person picked and said yes Unauthorized use was found and said the first agent I spoke with forgot to include the reported transactions the first case which I won which PayPal said they noticed Unauthorized Account Access. 

The second PayPal agent said she will now open a new case with the mentioned transactions in a new case ID : XXXX. 

After few days PayPal said no unauthorized access was found and refused to refund me my funds which were taken away by the hacker.

Evidences are there in the first case of all the changes made to my PayPal account and how my funds was removed.

I want PayPal to use the first case ID : XXXX which they found Unauthorized Account Access and judge the case to include the reported transactions in the second case ID : XXXX so my funds can be refunded to me as I won the first case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I originally filed a dispute on XX/XX/XXXX over the status of my student loan accounts. After over 30 of investigation they have incorrectly changed my record, and now have the same items being reported two separate times on my account. One item is even reported three separate times. The lack of any rush to properly investigate and handle issues is very clear. I now have to wait over two months in order to get this dealt with.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following company Transunion. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc.
State: LA

Complaint narrative:
Carmax auto finance which is a debt collector pursuant 15 usc 1692a ( 6 ) of the Fair debt collection practices act is reporting an account as closed and charged off as bad debt when in fact this was a consumer credit transaction in which a finance charge is involved. Therefore, there is no such thing as a late payment. Pursuant to 15 usc 1605 under Truth in Lending it says the finance charge is the sum of all charges in a consumer credit transaction. My social security card which is an open ended credit card was used. Any transaction in which my credit card was used is the obligation of the United states pursuant 18 usc 8. I gave security interest ( collateral ) in the vehicle which covers all obligations. Pursuant to 15 usc 1602 ( l ) a credit card is any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I'm demanding complete deletion from all consumer reports. This is a consumer credit transaction in which I want deleted completely from my consumer report and I have that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I am not able to get a copy of the Target RedCard credit agreement or terms & conditions. I have attempted to use the website request and also called the customer service number on the back of the card. The representative put me on hold and then ended the call after 7m 24s.

The website gives an error message requesting a valid zip code. I have attempted my 5-digit and 9-digit zip code, neither works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclay bank has a credit card named XXXX. 

I have this card probably more than 10 years. 

in XXXX they sent me a promotion letter with blank checks. I wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. Called Barclay, was told the check only can be used to pay other credit card. Checked the checks I received, it says deposit into any bank account or used in any way as a check. 

Called several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center was able to leave a note in my account that I called. I believe it is XX/XX/2021. 

Late on I was able to use the checks to make two balance transfers to my bank account. Therefore those checks are only good for other credit cards is not true.

Then the Barclay bank didn't send me my May 2021 monthly statement and got a call today that my account is over due. Able to pay the monthly payment by calling them.

Now let us talk about the damages by Barclays Bank 1. There is a check bouncing fee charged by XXXXXXXX XXXX that is {$12.00} on XX/XX/2021 2. Because they didn't send me the statement, they charged me a late payment fee {$29.00} on XX/XX/2021.

3. total {$41.00} so far.

4. There is very possible more damages will come in the future.

I have with Barclays for more than 10 years, I have never been late with their payments!

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 2021-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
im filing this dispute because I have failed to receive any results on my initial dispute on regards of the incorrect fraudulent accounts reposting on my credit report. it is very misleading and stressful because they are taking a disadvantage of me and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2021-06-14 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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