vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert that Capital one auto finance reported my account delinquent. I called and confirmed that my account was not delinquent with XXXX ( agent ID XXXX  ) XXXX also confirmed that they do not report accounts until the end of the month ( XXXX ). This prompted me to contact the bureaus. XXXX XXXX confirmed that indeed capital one sent over partial information electronically that indicates that my account was delinquent and urged me to work with capitol one to resolve this issue. 

I contacted capital one today XX/XX/XXXX and was hung up on 3 times finally after an hour of holding and being hung up on I spoke with XXXX ( agent Id XXXX ) resolution specialist. She would not let me speak with a manager and advised me that i would have to start a dispute process and wait for a call back when a superior was available. She confirmed that negative reporting does not occur until the end of the month and that this error will take time for Capital one to correct. 

I am aware of my rights under the fair credit reporting act. This error has devastated my credit score and I am seeking resolution to this error. I am also seeking monetary damages for each instance as my credit worthiness has been damaged because of this mistake. My account is not 30 days late and never has been this error could jeapordize a much needed home loan that I am in the process of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been dealing with TD Bank for over a month. It all started when XXXX XXXX XXXX sent me an e-check for {$7400.00} that belongs to my PPP loan approved by SBA. 
The funds were held due to a clerical error from XXXX ( not me ) since my name was not on the check. 
TD bank assigned an investigator, or so they say. This person never called me. 
I provided all documentation and beyond. 
Waited for hours over the phone with my local branch manager, the fraud department and customer service as well. 
TD bank said all was fixed and asked me to visit the local branch to pick up a new debit card and so I did. 
Next week the account was once again restricted. 
The bank decided to close my account, but the {$7400.00} are still in a limbo, when they should be with XXXX XXXX XXXX. 
My personal funds are being held as well. 
Nobody can tell me when I will have access to my money. 
The PPP loan funds are not in my account neither with XXXX lender bank. 
Again, this has been going on for over a month now and nobody can respond to me regarding a timaframe for me to access my money or the loan money. 
This has caused extra stress on top of the pandemia and my unemployment situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to deposit {$1000.00} to my son 's 5/3 checking account today as I have done several times in the past at the same branch. Today for the first time I was asked for several pieces of personal information : drivers license, phone number, profession, social security number and if I was a citizen of the US. When I questioned the need for this information I was told it was required for any deposit over {$500.00}, when I asked if it was a new policy I was told no it had always been a policy of all banks not just 5/3. I thought the amount was {$10000.00}. My son needed the funds today so I was forced to give them the information but I feel my privacy was violated. Was It discrimination because I was doing laundry, cleaning house and was dressed in a t-shirt, shorts and old tennis shoes? Before this trip to the bank I was always dressed as if I was on my way to the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is attempting to collect on a debt as well as Resurgent Capital Services. A collection agency can not collect on the behalf of another collection agency as if they are the original creditor. Therefore it is a violation and I will like the collection deleted. I have emailed the ceo to settle the debt. I will like the violation of the credit collections deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CHECK INTO CASH INC.
State: KY

Complaint narrative:
Sadly, I was a long time customer of Check into Cash XXXX, KY. My final loan with them was started XX/XX/XXXX. When due the quarantine had started and I not left my home in more than a week. I needed to rewrite which meant paying off, getting a new loan, and then going to bank to deposit. I would pay them {$580.00} and they would give me back {$500.00}. I asked if I could pay the fee over the phone and they said no, they said in XXXX you can. A nearby town but in Indiana. So I asked can I pay them and you all transfer the funds and I was told I would have to have the district manager call me. The local office said I could come pay anything and they would hold the account. My husband was on his way home he stopped in the office with {$40.00} cash he had on hand and the rep said between our call and his arrival the dm had called back and it had to be at least half. And the DM was going to call me. He never called. My loan remained outstanding and I called the local office several times asking about DM phone call and she said he was supposed to call and she couldnt do anything had to speak to him. He never called. 


A few weeks later I called the office and said can you cash my check and just put an end to this and she said no, not allowed to cash checks. Previously she was doing that but she got in trouble and my check would not/could not be cashed. Soon it would turned over to collections and they would call me and I could make payments to them. I said great. 

About 2 weeks later I received a letter stating my account had been turned over to collections and I had 7 days to resolve it before further collection activity. The letter was date XX/XX/XXXX, my check cleared my bank account on XX/XX/XXXX. 

Not 7 days My check was cashed after being told it would not be cashed No DM ever called after numerous times of being told I needed to speak to him I call the XXXX number on the letter, they asked that I email them a copy of the letter showing that it happened in less than 7 days. Email them the letter they sent me. I did and they were escalating and someone was going to get back to me. It has been 1 month. Nothing so now I am trying this route. 

In addition one of the last times I was writing a check for a loan in the office the person in front of me had a due date 30 days out, my loans were always due in 2 weeks. Meaning in the payday loan trap I was paying XXXX 2x a month vs this person only once a month. I asked and they said they only get paid once a month. Seems like a fair and responsible banking issue that a person who has note pay dates is required to pay more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$170000.00} XXXX XXXX {$2500.00} XXXX XXXX {$550.00} XXXX XXXX {$2800.00} XXXX XXXX {$420.00} XXXX XXXX {$500.00} XXXX XXXX {$0.00} XXXX XXXX {$390.00} XXXX   XXXX {$500.00} XXXX XXXX {$31000.00} XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC has made changes that has prevents customers to be able to link accounts with 3rd party vendors. This change happens at the worse possible time at the height of the Covid-19 pandemic when consumers needed to access money in contact-less ways. 

I needed to transfer money in and out of XXXX so that I could pay people for services. Unfortunately, right when i needed this, PNC made changes that would not allow this to happen. I called to complain about this and voice my frustration. 

Now I am trying to link my account to XXXX so that I can collect rent payments and it is not allowing me to do so. I received an error message from XXXX saying that PNC has made changes that prevents being able to link accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Would like to connect my account to XXXX and PNC is blocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is refusing to close my 360 savings account, and is still sitting on my funds. I first wrote to Capital One requesting account closure back on XX/XX/XXXX. Capital One has dragged its feet ever since, holding my account open against my express written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: NC

Complaint narrative:
I was contacted by a recruited for a program/ job opportunity through the University XXXX XXXX XXXX I was told if I did the program then I was eligible for hire through various companies. After researching the school further and discussing with colleagues they said the school wasn't accredited for the program I was enrolled in. Thus, I never attended any classes and unenrolled immediately after. I have disputed this account on all three of my reports for years because they tried to even send me a refund check in the mail -- that I did not cash. now fast worded to this year it is still reporting and negatively impacting my score -- they have a lawsuit with the FTC for falsely posting programs for potential hire. I've disputed with their office and they say even though I didn't attend classes I'm still liable for the debt -- so I've settled and I've still been given the runaround about this. I would like this deleted off my report as this should have been covered under the FTC lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Hello! 

I am reaching out to open a new complaint based on my previous complaint that was unfairly closed. Bank of America claimed that it could not confirm I was the individual who submitted the complaint. A representative named XXXX XXXX emailed me and I responded to that message AND left a voicemail within 7 days of receiving communication ( see XXXX Attachment ). XXXX emailed me on XX/XX/2020 and asked me to reply before XX/XX/2020 to confim my identity. I completed all these steps but was ignored. My complaint was subsequently closed. Once again, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded. I have also attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, XXXX XXXX

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
This is in reference to a Build Card from Continental Finance, account ending in XXXX. This card was paid off in XXXX of 2020, and closed at that time. Despite closing the account, Continental finance continues to try and charge a monthly fee for the account - and reopens the account each time, requiring a phone call. Today makes the third time that we have had to call. Each time they remove the fee and insist that the account will be closed, then they re-open the account and charge the fee again.

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 2020-06-19 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX the company I hired to fixed my credit they request deleted applied bank Acct first the account is charge off and was opened XX/XX/XXXX is more them 7 years in my report, what I need is deleted to not affected my score any more. 

Thank XXXX XXXX

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 2020-06-19 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: CA

Complaint narrative:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested my free annual credit report from Experian from the website XXXX on XX/XX/20. The site said it was unable to verify my identity, and I would need to submit documents. I attempted to upload pdf files of my drivers license and a recent utility statement as requested, but the site returned an error message saying " We were unable to upload your documents. '' It did not say why the upload failed, it just stated document size and file type requirements, which mine complied with. I had to start over, re-enter all my information, and resubmit. I received the error message again. I did not see a link to contact Experian about this error.

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 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is showing a freeze on my credit report which I have requested removal online several times only to receive error messages and by calling in only to be told the error message, which is on error on their side, must be corrected by a US team. Problem is this team that has to fix is in the US office which is closed with an unknown date for returning to the office. This is an issue because I am trying to do things and can not get approvals because this credit report still has a freeze on it. This is a nightmare and I'm sure it is affecting millions!!!! 

How can Transunion not have an effective business continuity plan at this stage to continue operations? I work for a major financial institution and if they found a way to conduct operations, even those that have a high risk profile, any can resume operations such a company as Transunion!

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 2020-06-19 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXXXXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXXXXXX  XXXX {$460.00}

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have tried to transfer funds several times from my us bank reliacard to my bank account. I have called customer service, they could not see any reason for the transfer failure and was told that my issue was being escalated and I would receive a call. I have not received that call in over 24 hours. I was notified by text that the money was available in the account XX/XX/.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
I've been receiving harassing calls every day for weeks from Vital Recovery Services , LLC, despite blocking the number. They claim to be collecting a debt from XXXX XXXX, though I've never had an account or any financial dealings with XXXX XXXX. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the XXXX XXXX had a data breach in XXXX.

Company response to consumer: Closed with explanation