vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I received a notice from my mortgage broker that there was collection on my credit report from EOS CCA. They allege that I owe XXXX {$220.00} for an outstanding balance that I owed when I resided in XXXX in XXXX. I contacted the collection agency several times to resolve this matter. After never receiving any validation of this debt, I paid the alleged balance owed in order to resolve this matter. I was advised that this item would be removed from credit report after receiving payment from me. As of today, the item is still showing as a collection item on my report. I called several times and left messages to XXXX XXXX, the manager on this account. He has not returned my calls to resolve this matter. Also, I contacted XXXX at XXXX XXXX relations ( XXXX ) XXXX, who wanted to speak to him to have this account removed from my credit report. They have not spoken to him or returned his calls to correct this matter. I have been a long time loyal customer to XXXX for over 12 years. I pay over {$5000.00} a year for cell phone service, notwithstanding the previous services i have paid for when XXXX was my cable provider. Overall, this collection agency has not been cooperative to clearing my credit report event the support from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i have power of attorney over a lady who is XXXX yrs old and she has 2 accounts at BB & T bank with over XXXX the account is in her name and a ladies name that was supposed to help her. but neither account requires 2 signatures to take her money out. so we went to get a cashiers check so we could switch banks for her. first time we went was on XX/XX/XXXX and we were told we could not do this unless the other woman was with her. with this being told we are almost sure that this is the other womans friend. so on XX/XX/XXXX we went to the main branch in XXXX ga and they told us that we could not have her money until she came inside the bank and they could determine if she was of sound mind and body, so we ask for a appointment since the bank lobby was closed due to covid. we were told no we could not we just needed to wait until they decided to open back up.we ask for a cashiers check, which they refused to give us, I ask them at this time to please call the police and they refused to do that also. They would not tell us no reason why we could not get the money but was extremely rude and made several sarcastic faces at us which can be seen on their camera 's .. They contacted the other woman and put a freeze on the account where she can not have no access to her life savings. I called their corporate office in North Carolina and they have set up a investigation on XX/XX/XXXX which i have not heard from since. Meantime I ask corporate to put a freeze on the accounts also so noone can steal her money. but they are with holding money from her that belongs to her and that she has a legal right to have when she wants it and this is highly disturbing to her esp since she is elderly and is in fear of her money getting ripped off and she can not understand why she can not have her money in a cashiers check.

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 2020-05-20 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: CA

Complaint narrative:
I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

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 2020-05-20 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: NC

Complaint narrative:
I CHECKED MY REPORT AND NOTICED THERE ARE ITEMS ON MY REPORT THAT DOESNT BELONG TO ME. 
IM ATTACTCHING THOSE ACCOUNTS TO MY 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 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I called my local branch of Key Bank to inquire about doing a wire transfer. We set up an appointment the next day. We went into the bank and did the wire transfer with the branch manager. NOT ONCE, on the phone or in person did he mention a fee. Had he told me I would be charged {$30.00}, I would have done a cashier 's check!!! 

I chatted online with KeyBank and called their 800 number and both told me I had to talk to the branch. 

So I called up XXXX, the branch manager we worked with, and he was flippant and unapologetic about not mentioning the fee and refuses to refund it. He also wouldn't let me escalate it or even discuss a refund. 

I don't think it's fair to be charged a fee when I wasn't notified in advance. I would have done the cashier 's check instead. It wouldn't have cost me {$30.00}!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc.
State: VA

Complaint narrative:
I filed a complaint against this company a few days ago ; but they havent responded to my request and continue contact attempts. I am again filing a complaint and requesting the following : 1. Stop contacting me and third parties about me by any method ; 2. Identify your company by name ; 3. Identify original creditor ; identify amount of debt allegedly owed ; 4. Provide copies of itemized billing statement with service/purchase dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NC

Complaint narrative:
THERE ARE ITEMS ON MY REPORT THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NC

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT 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 2020-05-20 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: AL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT 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 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dishonest behavior on part of Bank of America. 

I'm entitled to {$300.00} bonus for opening a business checking account at Bank of America, N.A. The bank refused to pay the bonus. 

I opened a " Business Fundamentals Checking '' account with a {$300.00} bonus per a special offer for opening a business account. 
This special offer ( invitation ) was showing for me while doing online banking. 
Per the offer, to earn the bonus the following 3 requirements were listed : 1. Open a new Business Fundamentals Checking or Business Advantage Checking by XX/XX/XXXX ; 2. Deposit new money of at list {$5000.00} within 90 days of account opening ; 3. Make five qualifying electronic payments within 90 days of account opening.

All requirements to earn the bonus were completed.

A " Business Fundamentals Checking '' ( acc. XXXX ) was opened online on XX/XX/XXXX with the proper code inserted ( XXXX ). 
{$5000.00} ( a check ) was deposited on XXXX. 
Five qualifying electronic payments were completed shortly after the account was opened. 

Per my telephone conversation with a bank representative for business accounts ( XXXX @ XXXX ) on XXXX, the bonus was properly attached to this account. 

On XXXX I sent a letter to the bank asking to pay the earned bonus. 
I received back : " Unfortunately, your account doesn't qualify for the Checking Deepening Offer promotion because The account product opened is not eligible. '' Attached : Image of the {$300.00} bonus offer showing in my online banking. 
Images of the full offer with the requirements. 
Images of the online application process. 
My letter to the bank Reply from the bank A bank statement showing the type of the 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 monetary relief
Consumer complaint received 2020-05-20 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:
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX  XXXX XXXX, FL XXXX BYMAILONLY XXXX  XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type XXXX XXXX ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART  PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option. 
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
In XX/XX/2018 I settled this debt with the company 's attorney XXXX XXXX XXXX ( after I had to file a CFPB complaint against them ). Recently a lender pulled my credit and this account is still showing that I owe money. They are also reporting every month as if I have missed a payment for over 2 years. I attached my email chain with the company stating that the payment was for a settlement in full and also that they received the payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have an automatic payment set up for monthly draft payments for my home equity line of credit that I have had with Ally mortgage for 13 years, previously XXXX. On XX/XX/XXXX of XXXX, I sent in an updated REQUEST to change the bank the payments would be drafted from my account # XXXX XXXX XXXX checking account. I have ALL copies of the agreement, voided check, and their form completely filled out accurately and submited XXXX. On XXXX XXXX, XXXX, in response to my change in 'bank draft ' account number only - I got a confirmation letter from Ally acknowledging same - start draft date was XX/XX/XXXX bank account # XXXX contractual monthly payment ; {$1100.00} - but paying additional principal of $ XXXX acknowledged in writing by ALLY to me. 

Since I have had that set up for 13 years, never had an issue, I did not go and audit my bank account in XXXX to confirm the payment was drafted. I got a letter from Ally dated XXXX indicating that I was 2 months due on my mortgage. I immediately called Ally and complained regarding the EXACT information and written confirmation from them. I said I want in WRITING a statement from ALLY that I would not be charged a 30 day late and or late payments and I would pay both immediately. BUT - since their service and promises are so bad and my requests repeatedly ignored - I told them I want the letter FIRST as I can see myself fighting them even more once they hit me with a late mortgage payment that was THEIR FAULT CLEARLY. 

4 different representatives - all who have referred me to supervisors and then the supervisors have said twice the 'letter to confirm ' no late mortgage payments to me for any kind of late, especially a 30 day late due to the Bank 's ( Ally ) not properly acknowledging and drafting payments they had authorized and acknowledged. 

i still sit now on hold for 45 minutes but this is another Bank unconscionable act and leaves the homeowners in dire straights during especially such a financially taxing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been trying to remove these fraud alert remarks from my equifax report for the past 2 weeks now. I've mailed requests, faxed requests and gone over the phone with equifax staffmembers who have swore to me these fraud alert remarks would be removed after me passing phone verification for them to manually remove them, staffmember said it would be off within 48 hours. This call was taken place on XX/XX/XXXX, I look at my profile today XX/XX/2020 and still, the alerts are on, the staffmember even gave me a confirmation number to keep for my certainty. Confirmation # XXXX was the fraud alert removal confirmation he gave me. But all in all, Equifax doesn't do their job, once again, per usual, now i have to file this complaint because without surveillance, Equifax just doesn't do their job for consumers, its plain as day. I've attached the few sheets ive mailed and faxed Equifax over the past two weeks authorizing them to remove the alerts and displaying what i see in my Equifax credit report subscription portal and once again, TODAY! This is madness and needs to be handled asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NC

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

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