vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received a letter on XXXX, stating XXXX XXXX reduced my credit limit balance from {$1800.00} to {$320.00} which {$320.00} is what I owed them with utilization of 20 %. With doing this it will reduce my credit score and effect me using my credit. Stated by XXXX, " Protecting credit scores now will give people a chance to rebuild their lives and our economy. '' I had this account for over 9 years with no late payment and for a company do this in these times with our economy is very awful. I believe because the economy is going down they are closing and reducing people credit card limits. I didn't authorize this bank to check my credit and its should be illegal during these times of hardships. The reasons they stated is not true statements and should not be considered in these circumstance with our economy. 
First Statement : lack of mortgage information ; well my mortgage recently was transferred without notice from XXXX to XXXX XXXX  and its stated on my credit report. Second and third statement : too many revolving accounts with high balance compared to credit limit ; well this is the second time this has been done to me with credit card companies are reducing your credit limit plus none of my cards are maxed out and one I'm disputing. Fourth statement : not enough balance paid down over time on retail accounts ; I have been very good with paying down my retail account, please see attach credit report. This company is making up other reasons to reduce my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I got this loan in XX/XX/2019 they lend me XXXX I pay XXXX XXXX monthly. I just called to get pay off and I owe {$2800.00}. I never realized how high the interest is. I called and they said my interest rate is 125 %. Its ridiculous high. I dont think that should even be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CHECK INTO CASH INC.
State: KY

Complaint narrative:
I wrote a check on XX/XX/XXXX to secure an unsecured cash loan from Check Into Cash. I was enduring financial hardship at the time and was unable to repay the loan. Multiple times the check I had written for {$580.00} was deposited into my account. Every time, it was returned due to insufficient funds. Every time that occurred, I was forced to bear a {$37.00} returned check fee. On XX/XX/XXXX I made arrangements over the phone with Check Into Cash to pay 4 payments to pay off the balance of {$580.00}. On or around XX/XX/XXXX the check was again force deposited for {$580.00}. This amount was returned again due to insufficient funds causing me to bear a {$37.00} returned check fee. This was unfair due to the fact that we had set up arrangements to pay this amount. After contacting Check Into Cash, I was given assurance that this {$37.00} would be removed off of the balance that I owed Check Into Cash. I made all payments that I was able to up until I lost my job due to the Covid-19 Pandemic. I then was unable to make the payments that we had agreed upon. I had my balance down below {$450.00}. Check Into Cash then on XX/XX/XXXX decided to deposit the check YET AGAIN for {$580.00}. Over {$100.00} more than what I owed them. I was never contacted by Check Into Cash or anyone related to the company regarding this debt during the time period between my last payment and the time this check was again deposited-unfairly. I was blindsided by them. Unfortunately, I had finally gotten my Unemployment Check after several weeks of waiting, and that happened to be the same day Check Into Cash decided to deposit that check unfairly. The money was unfairly removed from my account, which directly broke a rule in the Fair Debt Collection Practices Act. This company is unfair in their practices, they dont care about your personal situation, they give you verbal agreements and guarantees and dont uphold their end. They have unfairly collected more than what I owed on a debt. They have acknowledged that it was a mistake. However, if I didnt call, and absolutely lambast them over these practices, they wouldnt have acknowledged that. As of the filing of this complaint, they have not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date XX/XX/2020 exit XXXX XXXX XXXX  XXXX XXXX.went use my debit card bank of america shut down my credit card without any notice stuck out of town with no money i had Toal amount i had XXXX dollars im my account They took about XXXX dollars from my checking account but atm said bank shut my card down wouldnt answer phone on hold 2 hours no reason to do this they have done it before out of town and at home never put money back in my account.they keep leading you on 2 months go by its not worth trying to get money back. They give you case number nothing is ever done ... ... ..i have checking account 2 savings accounts XXXX XXXX  and XXXX XXXX  with this bank z

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 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable.

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 2020-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: WV

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX, XXXX, Administrative Remedy Demand No. XXXX, Notice by Written Communication was mailed to alleged Debt Collector via United States Registered Mail # XXXX XXXX. in response to notices dated XX/XX/2020, XX/XX/2020, XX/XX/2020 requesting validation of any alleged debt and was not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, alleged contract, and the like, nor was it a request for a copy of any notification of assignment, negotiation/transfer of rights, nor was it a request for a copy of any other un-verified document/presentment referencing said alleged debt. The request for validation of any alleged debt is a request for bona fide verification of any alleged debt. 

In accordance with law, only duly sworn/ affirmed affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of Secured Party alleged Debt Collector " fails to state a claim upon which relief can be granted ''. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon alleged Debt Collector 's receipt of the " Notice by Written Communication, alleged Debt Collector must cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party 's secured private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank continues to take enormous amounts of overdraft fees from my business account causing me to be in debt. They refunded {$1700.00} worth of overdraft fees then took them back. PNC claims a dispute for {$99.00} was denied from XX/XX/XXXX- it is now XX/XX/XXXX- and {$1700.00} in fees relates to it. This is false and unethical especially during COVID19. They said they are reversing my refunds again Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I paid the balance off for my line of credit. At that time I received an email thanking me for my payment. The same email advised me of a line of credit in the amount of {$1400.00}. When I attempt to withdraw a couple of days later, the amount available was reduced and the transaction history showed amounts withdrawn ( not by me ). The company is unable to explain why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Insikt, Inc.
State: TX

Complaint narrative:
On Friday XXXX I received an alert from credit monitoring service that there had been a new hard inquiry on my credit report. This was definitely not me. I reached out to the company, XXXX, formerly known as Lendify Financial. I spoke with a young lady on the phone. I was told there is no fraud department I can speak with but gave me an email I could reach out to. She took no personal information from me so that she could look into this. Just my name and phone number. I emailed the company email she gave me and am receiving no response. I called back and was told the same story, no one i can speak to about this fraudulent action against me and that I needed to send an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
AMERICAN ACCOUNTS ADVISORS has not sent me validation of information they reported to XXXX. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: RI

Complaint narrative:
I canceled my account after nearly 20 yrs of being a customer for over charges and sales people making false promises and not honoring the sales deals made. I was sent prepaid envelopes to send back 2 phones which I did. After some time now, more than a year, they are saying they did not receive them. I have no use for the phones as i went with a different carrier nor would i want to keep anything from them and feels like retaliation after closing this account and dealing with the rude and threatening representative to do so. I should have a balance for service of approx XXXX not XXXX and will pay when my balance is properly reflected

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 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: VA

Complaint narrative:
This collection account is not mine. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1. My husband leased/purchased a XXXX car in XXXX. It appeared with on my credit report. 
2. Car was returned on time in XXXX. 
3. I was billed for an outstanding balance erroneously. 
4. Now in XXXX ; the company has placed two negative notes against my credit report tow separate months. 
Experian site is down for disputes and I have not been able to get them to fix or investigate this claim. My credit score dropped more than 40 points. This is an error and this initial claim is 7 years or more old and should not be claimed against my credit. 

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 2020-04-11 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: LA

Complaint narrative:
I have filed three credit disputes with Experian in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 17 hard inquiries, foreclosure ( XXXX XXXX XXXX XXXX XXXX  ), and addresses or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Experian responded to my last request. One of their response letters was dated XX/XX/2020. On page 2, Experian stated, " The information you disputed has been verified as accurate. '' This was their response to the foreclosure. These are clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts and addresses must have original documentation or proof on file bearing the consumer 's consent. In this case, Experian has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are purposely avoiding the verification process. These are clear violations of the FCRA. XXXX did the right thing and promptly deleted this same foreclosure that is in question on XX/XX/2020. I have attached their response letter as verification as I request that Experian do the same. 

I have all the dispute letters, certified mailing receipts and response letters from this company to support my claims.

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a PNC Virtual Wallet with XXXX XXXX through a landing page on their website. There was a signup deal on-going, wherein if you deposited {$5000.00} via Direct Deposit, there would be a {$500.00} deposit made within 30-60 days. I opened the account on XX/XX/2020, and made a {$5000.00} direct deposit on XX/XX/2020. I called to check that my account was in good standing, confirmed it was and I would be receiving the bonus deposit. I then called again on XX/XX/2020 to check the status, and the rep now claims that my account is not in good standing, as there is a requirement for 10 debit transactions during the account bonus posting time. I have attached screenshots of the landing page I signed up for my account through, no where does it state debit transactions are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was never late. My mortgage company sold my Acct to another company called shellpoint. This happened without my knowledge I sent payment to original company. When I received letter from shellpoint stating that my loan was transferred I immediately made payment to them ( payment was even higher than previous bank ) my payment was ever late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I made one payment to this company and maintained constant contact. They have been very rude since Ive been unable to make payments and have told them repeatedly that I am voluntarily surrendering the vehicle. In order to charge more interest, they keep stating they arent in the car selling business and keep my loan open. Loan start was XX/XX/XXXX with a 700 % interest rate. They stated that if I paid only interest at {$780.00} a month, I could renew my loan after 5 months, still not paying down the initial principal of {$2800.00}. I told them in XXXX of XXXX that I was unable to continue to make payments because I was unemployed. This was when they responded with they couldnt take possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
COMPLAINTANT has opened a bank account with " Suntrust '' on XXXX. Login and mobile access were operational until around XXXX when authentication tokens were generated as well as emails to remind linking external accounts were being sent. 
On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. When COMPLAINTANT reminded Suntrust employee that access was working until XXXX and later on, the employee walked back on that statement and claimed XXXX was when investigation was started as well as stating that XXXX was actually the date when the accounts were created. Representative was not clear on ( 1 ) how or why this " investigation '' was started nor ( 2 ) how suspicious reasons were randomly  detected, after calls for a different matter on XXXX around XXXX XXXX PST addressed no such concerns. 
It seems that this " investigation '' was started not because COMPLAINTANT has triggered the system 's fraud alert on certain criteria on its own, but by some manual review or interventions by the employees. 
COMPLAINTANT noted that no email, text or mail notice were sent by Suntrust to notify the COMPLAINTANT of sudden suspension of online access for 9 days. But rather Suntrust was waiting for COMPLAINTANT to reach out to Suntrust after being unable to access the online account for 9 days. It is baffling as to whether there is a rigid set of procedures where Suntrust detects anomaly and sends notices. ( Or whether it would have ever notified COMPLAINTANT of this " investigation '' and " suspension '' until COMPLAINTANT reached out to regain access to mobile banking ).

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