vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a 360 checking account and was promised a {$400.00} bonus by making two deposits using ACH, direct deposit, or other means. I called the bank to verify that the transactions deposited into the account qualified, but they will not tell me what kind of transaction the deposit actually is or if it meets their criteria for qualification. On my statement it does not indicate direct deposit, ach, or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are numerous accounts listed on my report that I have no knowledge of. The accounts listed were a result of fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank XXXX XXXX Credit Card called me on XXXX, XXXX around noon to verify a transaction happening at XXXX XXXX. I told Barclays Credit card Caller that I am at my office. I am not at XXXX. she asked me, do you have Barclays Card with you? I replied to her, NO. I don't have this card with me. it must be at home as per my knowledge. She put transactions at XXXX as fraudulent and closed credit card as lost as stolen. 

I tried to talked with Barclays Credit card investigation at XXXX XXXX XXXX and she asked to fax her which I faxed on XX/XX/XXXX. they received and Barclays didn't replied. I faxed again on XX/XX/XXXX with Police report and called Barclays and they admitted, they received my faxes and it will take 7 to 10 days and some manager will call me. so far I called over 10 times within 15 days and talked with XXXX, Employee ID, XXXX, than XXXX, ID # XXXX and she transfer to her manager, XXXX, ID, XXXX and XXXX, ID # XXXX  and XXXX, ID # XXXX of Barkleys credit card. nothing is resolving as of XX/XX/XXXX I have very good credit history and a very responsible citizen. this Barclays is trying to Destroy my credit history. I am not able to pay this fraudulent charges of {$420.00}. 


therefore, please help me and put a very heavy fine to this Bank.

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 2021-01-20 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: LEXISNEXIS
State: IL

Complaint narrative:
I previously requested to dispute a bankruptcy that was reporting on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXCredit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my LexisNexis consumer profile only to learn that they were the one 's who misreported the public record. LexisNexis was the furnisher of this item and has since deleted it from my profile. The letter that LexisNexis submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. LexisNexis failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from LexisNexis confirming deletion! I have also contacted emailed Pacer to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Focus Receivables Management shows up as a collection on my account. I have contacted this company to verify this debt prior to reporting to my credit report. I still haven't received the information yet. I have been with my current cell phone company now for 9 years and there is no way that this debt can be mine since this company is past the XXXX year old. In XXXX of 2020 anther collection agency tried to put this same account on my credit report and still no one is verifying this debt. How can this debt still report on my credit report this company has not contacted me also being with my current company for 9 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
Bonneville debt collection has called twice ( about a week ago and today XX/XX/2021 ) leaving a message but no detail other than a callback number. I don't have any unpaid debts and when trying to call the number they provide, you just sit on hold in a queue for over an hour. No one answers. Considering this isn't my debt, this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchased a new XXXX XXXX in XXXX of XXXX and financed it through Hyundai Motor Finance. On XX/XX/XXXX, I traded in the vehicle to XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX mailed Hyundai a check for the full amount of my loan. According to the tracking information, Hyunda received the check on XX/XX/XXXX, and it was cashed on XX/XX/XXXX. However, the check has not been applied to my account, which is now showing as being 20 days overdue. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about this issue, and on XX/XX/XXXX they contacted Hyundai and faxed over the cancelled check and the tracking information. As of XX/XX/XXXX, XXXX had still not applied the check to my account, and I had started getting calls from their collections department, so XXXX XXXX  faxed the documentation again on XX/XX/XXXX, and I called Hyundai myself. Hyundai asked me to send them an image of the cancelled check in an email with my account number and ATTN : XXXX in the subject line. I did that on XX/XX/XXXX and received no reply. On XX/XX/XXXX, I emailed again asking for confirmation that my first email was received. I still have not gotten any reply, and my account is still not reflecting the check that Hyundai received.

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 2021-01-20 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This 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 explanation
Consumer complaint received 2021-01-20 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. COLLECTION BUREAU Reported : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica
State: TX

Complaint narrative:
I attempted to open a corporate account for a business, which I recently purchased in XX/XX/2020. 

I was met by a personal banker at the Comerica Bank branch, who took my contact information and business name, and told me I would be contacted for an appointment to bring in my business registrations and complete a formal application. 

A few hours later i was contacted by phone by the banker and was informed that my business account was declined, although I was never given an opportunity to provide the necessary documentation for my business. 

When I asked what was the reason for the denial, the banker was unable to provide a reason for the decline. At that point, I instisted on speaking with the bank manager for a better explaination. 

The bank manager contacted me by phone and i explained that I felt racially discriminated against, on account I was declined without ever completing a formal application. Bank manager then asked me " why did youi choose to open an account with Comerica bank '' and followed up with additional quetions, regarding where i live, and other invasive questions. 

I provided answers to the managers questions, and he stated " there are a lot of red flags ''. I explained it was a new business which is incorporated in Arizona and I am currently opening an office locally within the city. The manager 's response was just to " find another bank '' ... and was unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2014 For {$470.00} I have tried to dispute this account for years and no luck

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 2021-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK
State: CT

Complaint narrative:
On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX  Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest. 

Is this legal ( they are holding my money interest free for over a month )? 

Please advise as to my alternatives. 

Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
Request for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Around the date of XX/XX/2020, I submitted a FTC identity theft report to remove fraudulent items off of my consumer report. 

When the credit bureaus corrected the necessary information, in XX/XX/2020, a company named Caine and Weiner somehow found my location information and communicated by post card to address me of an alleged debt. 

Caine & Weiner committed identity theft by obtaining my personal information that I did not directly provide to them or give them any consent to contact me. 

In the letter, they violated the The Fair Debt Collection Practices Act by using false, deceptive, or misleading representation or means in connection with the collection of any debt. They also used profane language amongst other violations that are listed below. 

Actions that were taken by me to the company was that I sent certified mail in the form of an affidavit of me notifying them that they are a debt collector according to the FDCPA ; that I'm a consumer and that they violated my privacy as well as communicated that they have violated multiple federal law codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
XXXX/Experian are reporting a false address as current address.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I made a couple of withdraws at my bank - Community Bank NA, the XXXX NY location. I'd like some information regarding their withdraw policies, as the teller that processed the withdraws gave me some pushback about pulling money out of my account. I explained that I needed the cash so I could pay off two vehicle loans and immediately get a lien release for both from the bank holding my loans. Specifically, she stated that customers should " call ahead to ensure enough cash is on hand for large withdraws ''. Where is that policy authored and available for me to see? This was not a " large '' amount of cash - it was barely over {$10000.00}. I would expect that this is likely a small transaction in XXXX. Also, while she was processing it, she came back to the window asked me what I did for work, to which I replied " collections ''. She then asked what type of collections, to which I replied mostly healthcare. Why is she probing me for my profession? This was not friendly conversation - it was interrogation. I want a copy of the policy that advises the tellers to probe people that are taking money out of their accounts ( I had already provided her with my license ). I received chat follow-up from a " XXXX '' that was not helpful at all. She stated I should contact the local branch for questions related to federal regulations. If they're federal regulations, why wouldn't she be able to provide that info - seems it would apply to every branch in the US.

I want the following done ; *I want to know why I was rudely advised that I should " call ahead to see if there is enough cash on hand to support a withdraw '', as to my knowledge there is no policy requiring customers do this. 

* I want to know the DOLLAR amount that would require me to call ahead to do a withdraw. 

* I want to know why she asked my profession, and once I advised I work in collections, why she needed to follow up with " what type of collections '' before she would continue processing my withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MD

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OR

Complaint narrative:
Received two cards in the mail. Both Visa cards Chime and XXXX. Both cards are in my maiden name that I do not go by. I have never used either of their services. I am unable to contact either companies. I just get recordings when I call. I am very worried I will receive more cards in the mail. I put a freeze through XXXX and am not sure if I should contact the other two credit bureaus. I am not sure what else I can do. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: UT

Complaint narrative:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

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 2021-01-20 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: UT

Complaint narrative:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

Company response to consumer: Closed with explanation