vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted an affidavit of truth and facts to Equifax. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On Saturday, XX/XX/2021 between XXXX and XXXX I made a cash deposit of XXXX at the PNC ATM at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX ( XXXX XXXX ). The machine counted the bills and advised that the amount deposited was XXXX instead of the XXXX and I was given the option to go ahead with the deposit or take my bills back. I opted to take the bills back as this deposit amount was incorrect. The machine gave me back XXXX instead of the XXXX that I deposited. The number on the side of the ATM was the PNC bank XXXX number which is closed after hours. I've called PNC bank several times and was advised to open a case AND talk to the branch. I opened the case as advised. I also advised the XXXX number rep that the deposit was being made to cover a withdrawal for a credit card payment that was coming out and that I need my account credited immediately. The rep called another department and told me that since I already have money in my account i should be able to wait the 10 days it would take to service the broken ATM. I also called the branch on Monday and was told that since I had opened the case over the phone there was nothing that they could do. This issue is causing and has caused tremendous financial hardship for my family and I. I need my funds credited soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my XXXX bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The XXXX bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through zelle in XXXX, I failed to get it back. The XXXX bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I received a notification from XXXX  stating that a hard inquiry had been initiated with JPMCB-Card Services ( JP Morgan Chase ) and it was inquired on XX/XX/XXXX. I did not inquire a credit card with them or any other company ; This is a fraudulent act that I am hoping can be resolved and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank XXXX XXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( SeXXXX mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.

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 2021-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, XXXX XXXX XXXXXXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXXXXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Called in told them I wanted account closed the guy closed my savings but not the checking. It stayed open. They charged me XXXX dollars in overdraft fees over 3 months and then closed the account refused to refund the fees and I owe the bank XXXX dollars after all the fees are refunded. They rearranged transactiosm to charge more fees. Have proof. And want this fixed

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 2021-07-26 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: MS

Complaint narrative:
XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer Banco Popular reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted Banco Popular on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from Banco Popular. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: FL

Complaint narrative:
Tis medical collection of XXXX paid by insurance no money owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Money was transferred from our account using an unauthorized XXXX app, which we do not have, to person that we do not know. It is clearly a foreign name. Six transactions occurred in 39 minutes. One {$5.00} transaction and five {$99.00} transactions. I saw the transactions and reported them to Wells Fargo within 24 hours, stating that I did not make these transactions. They immediately shut down our account. They said they would investigate these transactions and let us know if they felt they were fraudulent or not. 

My husband and I are XXXX and XXXX years old. We basically use this Wells Fargo account for monthly drafts. We don't even know what a XXXX app is! We have our life insurance, long term care policy, and supplemental insurance drafted from this account. It is so evident to see that this is fraud. 

These transactions occurred on XX/XX/2021. On XX/XX/2021, we received a letter from Wells Fargo stating that they had completed their investigation, and that they found we made the transactions. We are in disbelief. Wells Fargo has done nothing to protect us.

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had and continuously used the " Guitar Center '' credit card financed by Synchrony Bank for years and have always paid the account on time and managed the account online with the exception for one time that I paid it a day or two late and called Synchrony Banks customer service number to get the account paid immediately and they also waived the late fee. Recently I have noticed that Synchrony Bank, ( through whom I have several other open credit cards and in store credit cards with, and all which have been managed and paid on time ), have adjusted their websites when you log in to manage accounts to solicit you to accept digital paperless emailed statements. I NEVER selected this option and NEVER arrange for email statements as I get an average of over 100 emails a day and don't have the time to flag or sift out any potential email statement form teh several creditors that i have accounts with. Well, last month after I logged in to pay my Guitar Center account, apparently they arbitrarily switched me over to paperless statements and because of that, I missed my payment due date of XX/XX/21. So when I get an email warning me that my account is past due. I call them immediately to find out why and after dig up my previous paid statement and confirming with the customer service agent that my account was switched to paperless billing, I demanded that it changed back and that the late fee be waived as this was NOT selected by me. I also asked to be transferred to a US based manager which I eventually was after being disconnected and had to call back and start all over again. Now completely irritated, I was finally connected with a US Based agent who reluctantly waived the late fee and accepted my payment of {$60.00} over the phone and then she also disconnected my call after I demanded to speak with a corporate level manager as to why my account was switched to paperless billing without my knowledge or permission. At which point, my call was irresponsibly disconnected again! Little did I know that this agent also processed a closure of my account! Of which, I did not request. And now, after 3 days of phone call attempts, I can not get a hold of anyone in executive level consumer relations to determine both who and why exactly my account was discriminatorily closed or, why they are unable to re establish re-opening of the account. I did just a little online research and, have found and enormous amount of current lawsuits, class action suits, and extremely bad reviews against Synchrony online for this same reason as well as several others. I need help with this matter and am looking at the very real possibility of this going to court. How can you help?

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2021-07-26 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
We sold our house in XXXX, 2021 and there was an escrow balance of {$3000.00} that we should receive, before we changed our address a check was sent to the address of the property that was sold. We talked to the mortgage company ( Guaranteed Rate ) and changed our address and then called back again to request a new check ( they would not take both the requests at the same time ) then they told us to wait 30days to call back to request a new check. We waited and called back on XX/XX/2021 and the representative we spoke with said they would issue a new check to the right address and it would take 10 business days. As we have not receive the check even after 20 days, we called back again in XX/XX/2021 and the representative is telling us that it can take 30 to 60 days to process this request and there is nothing they can do and would not provide any form of request ID or number. Especially during times like this ( Covid ) it is very hard to not have your own money to use for expenses and these big corporations are taking so long to return our money. Their estimated time of when we will get our money is XXXX - almost 4 months after the loan was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I bought something online threw XXXX they offered a store card threw Snychrony Bank. I never received the card or a statement. They reported me as late. And charged me a late fee. Not only am I trying to purchase a house it lower my score over 50 pts so I am unable to go threw buying the house. After speaking with them they removed the late fee but I need them to change that I was never late.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
this medical debt has been paid by insurance and paid any deducible owed no money is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. Now they sent me another letter saying for me to send in and dispute it in 30 day when i have proof i already did. let this complain service as proof in court that i tired multiple times to resolve this fraud

Company response to consumer: Closed with explanation