vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I was never late on the payments and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I initiated a balance transfer of {$2500.00} to my Barclaycard account from my XXXX XXXX. According to XXXX XXXX their check was cashed by Barclaycard on XX/XX/XXXX and It is now XX/XX/XXXX. After a call to Barclaycard they state that they can not look up the payment, check number or any other information and it is up to me to provide ETF, routing numbers, check images etc. XXXX XXXX emailed me a letter stating they sent the payment but Barclaycard states that is insufficient I have had the same problem with Barclaycard in the past.

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 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Good day! After reading upon the laws that governed the finance, debt collection practices I had start asking questions via certified mail ( affidavits ) with return receipt Re my credit with the alledge creditor XXXX XXXX, XXXX XXXX and XXXX XXXX etc. Portfolio recovery associates had sent me notice relative to debt collection activity which i started to query and during tghe course of almost 15 months I had sent out several affidavits to said company and none of my affidavit were answered. They provide absolutely no evidential value whatsoever. they continue to report false and misleading information to the three major credit bureau I had also sent a notice to said company to cease and desist and nothing happened. Portfolio recovery associates had filed a law suit in the county court of XXXX Georgia against me and this is a clear breach of the laws that governed such activity. please see the affidavits attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2020-03-30 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:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2020-03-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I was never late on the payments and the account is closed.

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 2020-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX we applied for an interest rate reduction. Since then we have been awaiting title to clear. I have emailed and/or called everyday to find out what is needed, and I keep being told we have escalated this to our manager, or we emailed title company to see what is needed. It has been almost 2 months. I have heard great things about freedom and really want to have a relationship with them but this is getting insane. additionally, since we applied interest rates have gone down, we inquired about having a lower rate and was told they would look into, but again no response. Please please just help us get the interest rate reduction program completed.

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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
First financial asset management. started calling repeatedly from XXXX XXXX until today. they call from several numbers XXXX and XXXX when i answer they say nothing but call back several times. When they finally do say something they harass me about how i need to find a better job to pay them more. Even said to use my stimulus check which hasn't even been sent. They tell me i need to pay more and that i need to do better. I am a single mom of XXXX. i pay them every month and they continue to call regardless of me paying every month. it is harassment and i hnestly don know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: IA

Complaint narrative:
XXXX started sending us a bill for a phone that was under my husbands name or part of his name ... .they didn't even have the name correct but we don't even use XXXX nor have had ever had them as a phone provider. I called them many times and went to a local store and they referred me to a number to dispute. I followed their directions by sending a letter to XXXX. Some time passed and a XXXX showed up at our house. A phone we did not order. WE immediately went to the local store and they told us to send it back and gave me a direct address to send it back too. We didn't open the box. 
We then proceeded to get bills again for the phone and phone calls. They would only call at times my husband wasn't home and wouldn't listen to me that this was not our phone, our bill or our account. 
They finally quit calling and sending bills. Almost a year or more has passed? I can't remember dates because I thought this problem was taken care of. BUT when we were checking on my husbands credit score we were told that his score was low due to a XXXX bill that went to credit reporting. ( If I call XXXX number now that the local store gives out ... they ask for my husbands soc. security number and I am NOT giving that over the phone. So I can't speak to anyone to dispute at XXXX. ) Please dispute this problem for us and inform all that XXXX customer services is terrible and fraud. 
Thanks for your 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In view of the ongoing novel coronavirus pandemic, I requested Sun Trust Bank 's representative, through online Banking mode, to close my Money Market Bank account ending with XXXX and transfer the proceeds to my checking Bank account # XXXX XXXX XXXX. 

I made that request on XX/XX/2020 to maintain a higher balance in my checking account so that I could access funds for meeting my expenses including potential health related expenses due to ongoing pandemic. 

The Sun Trust Bank representative asked me to confirm my mailing address. I did so.

Thereafter, I was shocked to receive a letter from Sun Trust Bank that they are closing all my accounts including Checking account.

The Bank did this as an unfair Trade Practice to discourage customers like me from taking recourse to close their Money Market market in times of emergency. 

Without a checking account I will not be able to use Banking channels to access funds or receive payments since I am an XXXX  XXXX. You are requested to advise Sun Trust Bank not to deny Banking facilities to existing customers while our country is going through a catastrophic economic and health challenge. I have always maintained average minimum monthly balance and never failed to pay any credit card bill. I have been a good customer.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I would like to attach letter I have written to XXXX  on XX/XX/XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : XXXX, Trans-Union and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.

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 2020-03-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I pay the car loan but it still showing repossessed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I pay the car loan but it still showing repossessed on 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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America placed a hold on the entirety of all funds deposited in one of my accounts. The account in question is a fiduciary account used to manage funds received from the VA for the benefit of my father. The VA designated me as the fiduciary for my father due to his inability to manage his affairs caused by XXXX  XXXX. 

The bank froze the entire account after my father passed away. When I called to inquire about the freeze on the funds in the account, the bank advised me that they require me to provide a death certificate for my father. I did so, but the bank is still withholding the funds. I discussed this matter with a representative from the VA fiduciary hub. They provided me a letter requesting that the bank release the funds. I also provided this letter to the bank, but the bank has still not released the funds. 

I have tried to reach the appropriate department of the bank to have them release the funds, but I have not been able to do so. It is unclear to me what legal authority the bank has to withhold funds that do not belong to the bank. The management of funds in this account are a matter between the VA and me. 

So, I am seeking a release of the funds. Furthermore, if the bank does not have the authority to withhold funds that do not belong to the bank, I am asking that appropriate disciplinary measures be taken against the 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 explanation
Consumer complaint received 2020-03-30 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: OH

Complaint narrative:
A contracting company XXXX XXXX XXXX XXXX XXXX ( XXXXused going forward ) did work. They did not finish and I had already paid on XX/XX/XXXX, XXXX XXXX. I suspended the payment that I made with XXXX card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called XXXX and asked about giving a cashiers check, I was told to have XXXX  write on XXXX letterhead accepting check instead of XXXX card payment by XXXX XXXX. ( a XXXX  employee ) I did what XXXX told me to do and they charged me and paid XXXX again. XXXX said they received a statement from XXXX   and because of the statement from XXXX  XXXX  paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by XXXX and that the company he uses Square or XXXX must have the money. XX/XX/XXXX. There have been multiple phone calls to XXXX and XXXX. I also sent messages to Square. I am being charged and XXXX was paid with the requested check. XXXX stated that because of statements from XXXX  I do not have enough proof to show XXXX was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. XX/XX/XXXX XXXX XXXX ( XXXX ) insists that Square has the money and in his words '' is holding it hostage. " Also, note the check was cashed before the XXXX complaint was received by XXXX card. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX Square, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.

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 2020-03-30 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.

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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C System Inc. tried disputing account not mine third party collection trying to contact multiple times. No validation or response

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