vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX AZ continue to report this debt even though they released me from lease and the debt of my lease in XX/XX/XXXX they continue to report to XXXX XXXX through their own debt agency that I owe close to {$4000.00} even theirs no judgment in place nor did they contact me within a year after the supposed balance placed on my credit in XX/XX/XXXX. I was placed in the City of XXXX XXXX XXXX through case manager XXXX XXXX and he and I was not informed about any debt owed XXXX XXXX and its COVID-19 and they fraudulently trying to get money from me even when I wasnt working in the public housing program. They signed my contract to be really from my lease with no debt amount owed and if I was still in that lease I wouldve owed until XXXX of XXXX. They combating the fact that contractually they never held me accountable for the balance at the time of being released from my lease with XXXX XXXX  because I was also diagnosed with be severely XXXX ill and I have been diagnosed as title XXXX and title XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I refinanced my mortgage with another company and my Suntrust XXXX now Truist ) mortgage was paid in full on XX/XX/XXXX. I was told a check for {$6500.00} would be mailed to me for the overage in my escrow account. I called Suntrust to verify the amount and they told me the check was mailed on XX/XX/XXXX. I called on or around XX/XX/XXXX to see why I hadnt received the check yet. Suntrust said the mail was slow but if I didnt receive it by XX/XX/XXXX I could request a stop payment and have the check reissued. I called again on about XX/XX/XXXX and told them I still hadnt received. Again I was told the mail was slow and nothing could be done until XX/XX/XXXX. I called on XX/XX/XXXX and said I still didnt have the check. Suntrust said they would stop the payment and reissue. On XX/XX/XXXX I received a check and cashed it. Today XX/XX/XXXX my bank charged me for a returned check fee because that check didnt clear. I called Suntrust on XX/XX/XXXX to ask why the check didnt clear and was told that the check I cashed was the original check mailed 38 days prior on XX/XX/XXXX and that Suntrust had identified an issue in XXXX where statements and checks did not print like they were supposed to. That issue caused statements and checks to be delayed in getting sent out. I asked the rep why in all the calls I had placed had no one told me this was an issue so I could have expected the check to arrive late, not requested a stop payment, and not thought the check received on XX/XX/XXXX was the replacement check. This has now cost me money with my bank and hours on the phone. Where was the communication and transparency from Suntrust that the check was late because of an identified issue on their end. It is XX/XX/XXXX and I still do not have my money.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
First off, Im a sole proprietor. On Tuesday, XX/XX/XXXX, my PPP loan was deposited into my Capital XXXX account. Upon, seeing this I decided to go into the branch to handle payroll XXXX pay myself ) as well handle some business expenses per the SBA guidelines. Upon verifying my account with the teller, my account immediately frozen. Im furious because this is my main account. Im a legit business owner but not only that, how am I supposed to survive with no access to my personal AND business funds. Cant pay bills or operate my business. This is very negligent on Capital Ones part. Ive sent them all the documents proving that my business is legitimate. I no longer want to do business with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I applied for a home renovation loan. We were not approved for the full amount, however we received a counter-offer that was good until XX/XX/XXXX. About a week prior to the expiration of this counter offer, I reached out Lightstream to arrange the funding of the loan. The representative informed me that the company has recently changed their policy and the home renovation loans are good for 90 days. I asked the rep multiple times, if she was sure of this policy change, she confirmed " YES '' and advised me that i could callback anytime in the 90 day window to accept and fund this loan. 

Well after calling today XXXX XX/XX/XXXX XXXX, I am being told that the loan was not " accepted '' by me, and that i would have to reapply. After multiple escalations, I reached someone that was able to pull the RECORDED call and confirm that I was in fact misinformed. Although Lightstream has accepted fault for this misinformation, they refuse to honor my original approval. I made a {$6500.00} deposit to XXXX XXXX that is now in jeopardy because of your negligence. The supplies were delivered and the construction of my pool was supposed to take place this week. At this point we are without funding and may lose our money.

It is not fair practice to misinform consumers, accept responsibility for the mistake and then not rectify the issue. I was told to reapply and that the pricing may change and I may or may not get approved ....

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 2021-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my Experian Credit Report I have a Credit card account that was closed at my request in XX/XX/XXXX. The creditor continued to bill this account after the account was paid in full and closed. I contacted the company several times and told them of the error. However they kept billing and now is saying it is a balance owing since XXXX. I disputed this on my credit report with Experian and they refuse to correct this. The credit card company has long stretches of the previous year showing no report of activity, however since XXXX and XXXX they are reporting this charge off and making it appear as a new delinquency. This is erroneous and false information. I have tried to talk to Experian and the operator named XXXX hung up on me. I was polite in trying to explain the situation and he just hung up! 
I want this account corrected and if the creditor hasn't reported every month then the delinquency was not an issue up until now. The account is due to come off my credit report in XXXX. However by this misleading information, they are hurting my current credit! I need help with this issue!

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 2021-05-26 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: Netspend Corporation
State: FL

Complaint narrative:
I received Netspend Prepaid Mastercard that I DID NOT APPLY for it!!! It states a plan fee for Pay As You Go Plan, Monthly Plan, or Reduced Monthly Plan. The Pay As You Go Plan is automatically applied to Card Account when first obtaining the Card. I can't get a direct answer from Netspend of what that means. Is it when I received the Card in the mail? Also, why mail solicitation as an actual looking Prepaid Mastercard with my new address referencing a routing number and account number to deposit a payroll and government payments. See attached correspondence of Netspend Prepaid Mastercard information.

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 2021-05-26 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 — Problem with personal statement of dispute
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Financed vehicle. Wasnt aware of product defect. Product defected causing damage. Contacted vehicle corporation. Negotiations for several month snd reached out to debtor for assistance several times to receive none. Finally settled to have car damages repaired with vehicle corporation. Dropped it off at corporate dealership. Financed or debort credit report destroyer repossessed vehicle. I couldnt afford to reaqquire vehicle unemployed and debtor was notified of situation never to help but quick to make negative on cr causing hardship and still charging for vehicle which would fall on me if was repaired to previous condition which as schedule the day after repossessed. Debtor finance institution now has responsibility to settle with corporation and settle cost of vehicle. I didnt my part without assistance and settled with XXXX XXXX XXXX XXXX was notified they acted premature causing more hardship taking back assets enjoy and removed from credit. U removed it once and reopened with new account to ruin my score and unfair practice used by companies as an act of retaliation when they know they messed up and are personally offended. A rude tactic to cause hardship to ones livelihood which affect to breadwinners children and are who become victims living inpovershed due to dad credit score...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Stayed at these apartments, my apartment was infested with XXXX spoke to the office and they said they weren't going to do anything. Bought out of my lease, there should be no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX are on my credit saying that i owe them an amount of XXXX and XXXX I don't recall these accounts being opened in my name, but someone has been calling me saying that if i don't pay they will file a lawsuit and that i am an ignorant person for not paying. They also stated that I used " hot checks ''. I have NEVER written a check in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX the IRS deposited the first Stimulus Check of {$3900.00} into an account at Suntrust Bank under my name and my husbands name. We do not have an account at Suntrust Bank. On XX/XX/XXXX I conducted a search on the IRS website to see where my payment was as people around me had received their payments already. The website said it was direct deposited in an account ending in XXXX. So then I contacted the IRS to inform them that I dont have a bank account that ends in XXXX. They informed me they initiated a trace on the funds. I proceeded to call the IRS back every 30 days for an update on the trace. I was constantly told they were waiting for a response from the bank. On XXXX XXXX we received a letter from the IRS documenting that the payment was indeed deposited at an account at Suntrust. I proceeded to call Suntrust at that time. I spoke to customer service and gave them my name, my husbands name, and our social security numbers and asked them to search their system for any accounts for either one of us. They came up with nothing. After going back to the IRS again I was assigned a tax advocate from the IRS to try and help me with my case. She worked on our case from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX she told me that she never heard back from Suntrust Bank after several attempts to rectify the situation, and it would now be my problem known as a civil case to deal with Suntrust Bank myself. The Tax advocate was however able to provide me with the routing number and bank account number that the funds were deposited in. I proceeded to contact Suntrust Bank on XXXX XXXX and I explained the situation, and provided the bank account information I had. The representative at Suntrust Bank was able to pull up the account but since my name, or my husbands name was not on the account they would not be able to provide me with any information regarding the account or whether the money was still there. He then proceeded to tell me that I need to contact the IRS as they would need to contact the bank to make the request. We are completely frustrated at this point as we are a year out from when this problem first started and have not made any headway. Both my husband and I really need your help with this.

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 2021-05-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The addresses that are reporting are inaccurate, I do not live there nor can I be reached at these addresses. I tried disputing these addresses, however I have had no success. I am trying to prevent fraud, the individuals living at the listed addresses are receiving my personal information.

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 2021-05-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/XXXX, I called Capital One to dispute 7 charges made to my account. 
The call took 4 hours and when I login to my Capital One account, it shows that the charged were contested, then IMMEDIATELY added back to my account. I was frustrated and the agent helping me simply said " I'm done '' and hung up the phone. However, it was clear that we were not done.

This is now the second time that Capital One has refused me the legal underwriting right, in my contract, allowing me to make disputes. Capital One is breaking contract and illegally charging me for contested items. They are not making the proper inquiries with the seller and now they are charging me instead.

They know they are in the wrong because once they called and tried to offer me {$100.00} to drop this case. I declined and it's funny because there is no recollection of that call ever having taken place at Capital One ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I disputed a purchase in the amount of {$250.00} for services/merchandise I did not receive. Without investigating my dispute, Capital One closed my dispute, claiming I did not supply requested information. Capital One never sent me any request for information, nor did Capital One state what requested information was required. Capital One is engaged in a policy and practice of ignoring disputes in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Were being communicated by a debt collector, Convergent Outsourcing , Inc, that we owe money for an XXXXXXXX XXXX that was purchased with stolen information of my identity. The purchase was made in XXXX of XXXX using a fake email address and a deposit placed on a credit card with the last four digits of a card that does not belong to me. The XXXX was apparently leased through a company named XXXX XXXX, XXXX, which we have no clue where this company is located at. Ive had the same XXXX, since XXXX and Im on a plan with my son through XXXX XXXX XXXX. Ive never needed a new phone. 

We have filed a claim with the local police department regarding this identity theft & financial crime. I have communicated to the debt collector that this was due to identity theft by using steps provided by the FTC website to ensure that they stop any collection activity and stop and credit reporting based on these events. However, they consider this debts valid but on what ground? The fact they have have my stolen info and a fake email and a credit card with no ties to my name for a deposit?

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 2021-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
On XX/XX/XXXX, I was mailed an " IMPORTANT NOTICE '' ( all caps ) from PennyMac, my existing mortgate company. PennyMac 's letter indicated that they were " pleased to let [ me ] know about an important opportunity '' and that I could " refinance [ my ] VA loan into a new, lower rate through the VA Interest Rate Reduction Refinance Loan program. '' As my existing lender, they provided information on my loan number, my current monthly payment amount, what my new monthly payment amount could be as well as my monthly and annual savings. 

They also wrote that I didn't have to transfer and I could stay with PennyMac. 

They encouraged me to either call a number or visit a website to complete an application " NOW '' ( all caps ). I did that and submitted the application online to refinance my loan to lower my interest rate. 

PennyMac pulled a hard inquiry on my credit. They called me only to inform me that I was not eligible, not because I wasn't financially eligible, but because I had only had a loan since XXXX and needed a total of 210 days and wasn't eligible until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Credit Collection Services representing the original Creditor XXXX has contacted me stating that they have taken over XXXX XXXX XXXX. XXXX was not able to verify this account. CCS was sent a letter of verification on the XX/XX/XXXX after CCS had sent me a notice of debt on XX/XX/XXXX. CCS could not verify this debt as mine. CCS sent me a Insurance claim form which i will enclose with my complaint along with other documentation. CCS sent me a letter stating they will be reporting to the credit bureaus on the XX/XX/XXXX. On XX/XX/XXXX CCS was successful in adding this unverify account to my credit report which has damage my score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As you can see I have disputed the same two accounts : XXXX # XXXX and XXXX # XXXX. I disputed previously that this account is reporting inaccurate information. The are reporting never late and bankruptcy for the status but its reporting multiple dates late from 30, 60 and 120 days. As this account shows that I paid it off XX/XX/2021. Which is inaccurate since an account in bankruptcy would not be paid to a creditor 7 years later in bankruptcy. I never paid anything which again I disputed with Experian. 
With the XXXX account I have disputed the reporting of inaccurate information as well with incorrect dates and status. 

I received an update from Experian today which they state " items unrelated to your dispute has been updated '' When I review the updated documents compared to the before and after there is no change or " update " which Experian states. 

Once again Experian continues to not actually investigate these disputes and goes as far as stating that they updated accounts when they haven't.

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