vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, I deposited my paycheck into my personal checking account with SunTrust Bank XXXX XXXX XXXX in XXXX, XXXX On the same, my check cleared my firm 's operating account upon which my paycheck had been written. On the same day, SunTrust put a hold on that deposit and withdrew the money out my checking account. I have been informed that SunTrust is holding my funds for eight ( 8 ) days while SunTrust has the money. I have not been provided with an explanation as to this action.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I received a phone call from USAA collection representative discussing an overdrafted checking account at the beginning of XXXX. I informed the representative that due to covid-19 affecting our household, I would be delayed in handling this matter ; but would have the account balance in the positive prior to XX/XX/XXXX when the account would be charged off. On XX/XX/XXXX, {$100.00} was transferred to the checking account ; bringing it to a positive balance - fulfilling my obligation to not have the account closed on XX/XX/XXXX. Stop payment orders were also requested for future attempts of these charges - as I had corrected the billing information with those companies. On the morning of XX/XX/XXXX, the checking account showed a positive balance of {$0.00}, another attempt for the same charge ( which a stop payment order of future charges was already requested ) was processed at the end of the day, overdrafting the account in a separate incident. I was not notified of this, no attempt was made to recontact me via phone per the notes on the account written by the previous representative. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX, which stated my checking account had been closed. USAA policy is that an account in an overdrafted or negative status for 41 days will be charged off. As my account was positive the morning of XX/XX/XXXX, when the account was closed on XX/XX/XXXX, only 7 days had passed. 

After filing a complaint with the XXXX, USAA purposely triggered the 6 day Answered Assumed timer on XX/XX/XXXX. They waited until XX/XX/XXXX to contact me to inform me they would take no action on this matter and make no attempt to resolve. 

I have not had access to the checking account to be able to verify any of the information they gave me and the corresponding account which triggered the NSF fee does not show an attempted payment on the day they sited. 

I had done my due diligence and had corrected the billing issue with XXXX XXXX, I had corrected the negative balance, to all objective observers agreement, to the exact specification that all available information told me - including the USAA representative who initiated the conversation on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to Capital One about my application being a fraud account when I did not report that. Capital One closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and XXXX to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called Capital One on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: LA

Complaint narrative:
SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Complaints Department : Please refer to my complaint regarding Chase Bank failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with Chase Bank, the sending bank, many times but they have been very unhelpful they have ignored my pleas for help and did not do their due diligence to their client. Ive been a client with them for well over 25 years and they have totally ignored my please for help. These stolen funds represent a significant part of my future retirement funds and the matter is of the utmost importance ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ive tried contacting this company to dispute inaccurate information they reported to the credit bureaus XXXX  XXXX and Experian. There is no phone number and Ive written letters to the XXXX. XXXX they have As address beginning on XXXX and have yet to receive a response. This companies erroneous reporting of this account has vastly effected my ability to acquire credit

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received an alert that a new collection account report to my credit report. After receiving the alert I discovered that LVNV Funding reported an account to my credit file. I never received any mail or information from this company and they have validated the Fair Credit Reporting Act. LVNV Funding Llc has reported I open an account with them on XX/XX/2015 and I did not. I would like for LVNV Funding Llc to validate this debt, provide documentation showing signature, application, receipt for each transaction. Since LVNV Funding Llc is stating I owe this provide everything detail by detail and let me know how I owe {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: VA

Complaint narrative:
For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and Transunion to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to Experian as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed 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 non-monetary relief
Consumer complaint received 2020-07-13 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: VA

Complaint narrative:
For account ending in XXXX. Last for of the card is XXXX. Equifax sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for Equifax and XXXX  to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was out of the country for 2 years, before i left the country i paid all my debit and i had enough money in my checking account just in case i forgot to pay some financial obligations, when i came back to the US i found out that TD credit card company is asking me to pay {$400.00} i asked then to show me the details about the charges but they fail to do so, then i found out that they transferred the debit to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: SC

Complaint narrative:
I mailed out dispute to Equifax, XXXX and XXXX about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: U.S. BANCORP
State: MD

Complaint narrative:
I discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. 

I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. 

I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.

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 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: VT

Complaint narrative:
I was an inpatient from XX/XX/2019 - XX/XX/2019 and under the responsibility of XXXX XXXX XXXX at the time any charges on my discover card was incurred i am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: PA

Complaint narrative:
On XX/XX/20 I had notified all 3 credit bureaus that I have been a victim of identity theft. Provided them with a Police report and a detailed account of what was not mine on my credit report. XXXX and XXXX had done a proper investigation and removed the accounts. Equifax has yet too. I then sent a follow up letter on XX/XX/20 and XX/XX/20 regarding a XXXX XXXX Account XXXX that I never had. They won't remove this account from my credit report and I've provided them the proper and necessary information they would need to remove this specific account. This account is hurting my credit score beyond belief. I've been denied credit because of it and just want them to do their job and remove this account just like the other 2 bureaus have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX CT, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation