vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened my business account with BB & T on XX/XX/2021. I had booked a reservation at the XXXX XXXX hotel they couldnt accommodate the room I booked and the room they had was infested with bugs so I received a refund for the full amount that was initially authorized. The amount of the refund was XXXX. When I realized the transaction posted and not processed back into my account I called BB & T to initiate a dispute. So the dispute was initiated and I was first told the merchant processed the transaction wrong. I also noticed another debit of XXXX from the merchant. I didnt authorize and I never stayed at the hotel. I provided my refund receipt. BB & T denied my claim stating that they couldnt help me and the merchant could take the money with no explanation even though I had my receipt showing a refund and no balance was owed. So then I found another XXXX XXXX XXXX XXXX nearby I stayed one which my card was authorized and charged the correct amount, then I stayed from the the XXXX to the XXXX of XXXX. I stayed from the XXXX to the XXXX of XXXX. The total amount should of been a estimated {$580.00}. I received my receipt where I was credited XXXX. A debit of XXXX posted to my account and XXXX remains pending since XX/XX/2021. 
The bank is posting what is supposed to be credit as debits. There is no way to speak with customer service. You have to have a pin which I did set up with the banker the it stopped working. The hold times are to an hour. My account is overdrawn - {$770.00}. Which it should not be. I was also charged a unknown overdraft fee for what I have no idea when I had enough funds to cover every transaction on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have every day checking account from Wells Fargo ending in XXXX. I wanted to close this account to consolidate all my accounts. Called the toll free # at around XXXXXXXX XXXX. I told them to close the account. But they said that there is a pending transaction and i need to call them again. 
I told him that I can 't call again as there is a significant wait time on phone lines and i have a full time job - so he can make a note on the account which he refused. 
I said that give me a email id or fax # - i will fax it ... .but i can't call. 
They don't have a fax # or email for account closure

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 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXXXXXX XXXX  ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX XXXX {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX XXXX and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXXXXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to 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 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XXXX XXXX XXXX I received a letter that I was not approved for a work out plan and I have been impacted XXXX XXXX XXXXXXXX and have been sick. 

Now, my relationship department called me and told me their was no options for me to save my home at this time. 

I told them I have a change in circumstances and I emailed my XXXX tax return and I feel like since the restrictions has been uplifted. Now they want to slam me and take my property. 

And the property is not worth what I owe its only worth {$66000.00} and I was told if I had a change in circumstance which I can start paying my regular mortgage payments since I submitted my XXXX tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP 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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP 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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On I discovered ( RESURGENT CAPITAL SERVICES L.P ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
On I discovered ( JEFFERSON CAPITAL SYSTEM ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a XXXX XXXX, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than XXXX pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have filed two prior complaints today regarding M & T Bank. The first was a general complaint and the second was regarding the offensive manner in which M & T Bank communicates with customers. This third complaint is about the multiple sources -- customer service agents, the app and the website -- of false and misleading information stating that my funds are available while they are not. 

On XX/XX/2021 I deposited a USPS money order into my M & T Bank account in XXXX, Maryland. I had called M & T Bank 's customer service ( as I am new to Maryland ), to determine M & T Bank 's policies on cashing USPS money orders. The agent told me that the bank could, maybe, cash it for me or it could take five business days for my funds to become available. 

I received an extremely offensive letter dated XX/XX/XXXX from M & T Bank basically accusing me of passing a fraudulent financial instrument, stating " We have information that indicates that the check may not be paid. '' Nevertheless, this offensive communication stated that my funds would be available in five business days. Within five business days, M & T Bank 's app and website both stated that my funds are available, but they were not. I called customer service again was was " promised '' that my funds would be available this morning, XX/XX/XXXX. My funds are still not available. I called customer service, yet again, and the first informed agent I have spoken with, XXXX, a supervisor, stated that my funds would not be available until a pending " fraud investigation '' was completed. 

M & T Bank 's multiple false and misleading statements by customer service agents, in its offensive written communication, on its app and on its website regarding the availability of my funds from a USPS money order are, at the least, not in keeping with acceptable customer service practices.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2021 Capital One received a Deletion Request letter from me letting them know that I ( the consumer ) Demand that they remove my information from their systems and any third party agencies that they have given ( without my consent ) my information to. 

On XX/XX/2021 Capital One responded with the attached letter stating that they will not remove my information and that it will remain for XXXX years. 

On XX/XX/2021 i called Capital One and spoke with Supervisor XXXX XXXX XXXX XXXX. When XXXX got on the line she stated her credentials. She also advised me that I was on a recorded line. I replied to her that he is also being recorded on my behalf, and that I am in a one party state and on need my consent to record. XXXX then disconnected the call. 

On XX/XX/2021 I called back and spoke with Agent XXXX XXXX XXXX XXXX. XXXX advised me that i was on a recorded line. I then advised XXXX that she is also being recorded and that i am a one party state and only need my consent. I then asked XXXX to transfer me to a supervisor and she transferred me to XXXX XXXX XXXX XXXX. When XXXX got on the call she advised me that i was on a recorded line. I then advised her that she is also on a recorded line on my behalf and that i am a one party state and only need my consent. XXXX then asked me to stop recording and i refused to do so. XXXX disconnect the call. 

Capital One is Violating my consumer RIGHT TO PRIVACY 15 U. S. Code 1681 ( a ) ( 4 ).

Capital One was never given written permission to report any of my information 15 U.S. Code 1681b ( a ) ( 2 ).

Capital One is not the original creditor and can not report anything that pertains to me unless I ( The original Creditor/ Consumer ) give them permission to do so. 

Capital One is committing IDENTITY THEFT FRAUD. The have my person information and have transferred my person information with out my consent 18 U.S. Code 1028A ( a ) ( 1 ) The information that Capital One is reporting on my consumer report is negatively impacting my score and I DEMAND that it be removed IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was laid off in 2020 due to covid. I was behind on car payments. Made arrangements with Capital One Auto Finance to get current. I kept agreement and am now current. Capital One is still reporting payments as late. Per the CARES Act Sect 4021 : If furnisher makes an accomodation with respect to 1 or more payments on a credit obligation, and the consumer makes the payments pursuant to the accomodation, the furnisher shall report the credit obligation as current. 

I have called Capitol One, I have disputed with the credit agencies and my credit report still shows 6 payments as late. I would like all of these changed to report as current.

Capitol One Auto Finance Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I went in to the Victorias Secret store on XX/XX/XXXX. There was a promotion to apply for a VS card and save {$25.00}. I asked the cashier which credit bureau was going to be used because I have a freeze on my credit report and need to call to have it lifted so they would be able to pull my credit report. The cashier said she didnt know and that I should try and if it doesnt go through to call the customer service number. The application stated that it was pending and the cashier gave me the number for customer service. I called the number and explained what was going on. The CSR said that I would receive a letter in the mail with a code that I needed to call and provide to VS. I asked her what would happen since the promotion for the {$25.00} will end on XX/XX/XXXX. She stated that since I applied during the promotional period the {$25.00} will be applied. I received the letter in the mail that I need to lift the credit freeze and reapply for the VS card within 30 days. I called customer service and they are now saying that the {$25.00} off promotion would not be honored and that I would instead be getting todays promotion which is {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to 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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: D2 Management LLC
State: TX

Complaint narrative:
All I have is a phone number. The person stated their name was XXXX. They called from XXXX. But they didn't call me, they called my brother in California. I live in Texas. I've never used him or his phone number as a reference so they illegally obtained it. They stated I need to contact them or have my lawyer contact them to figure out how to proceed with the legal matters. They would not share information about the debt they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.

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 2021-07-07 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief