vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a bank account online on XX/XX/XXXX and I put money on it. 5 days after the account was locked. The bank didn't even notice me of anything. I called BA, a representative told me that I had to go to an agency during the pandemic to show my ID. When I got there a representative told me that my account was actually canceled and they issued me a check with my funds, that I will receive in about 5 business days. It s not what the representative told me on the phone before. I noticed that I also registered '' my new bank account '' to receive the money from the IRS. I said that to the representative at the bank, he really didn't care. He just told me that I could open a new bank account with them and let me understood that otherwise, I could leave right away. As he was impolite and rude, I said no and I left. As a result, all my money was on hold during the pandemic, just when I lost my job. About 6 business days after, the check was not in my mailbox. I called BA, one more time, to talk to a supervisor. I explained to her all the situation, especially that I needed my money asap. She just said '' you should have received it, you have to wait again it is our process ''. The check will be sent back to us in case there was a problem with the post office. She didn't even say sorry neither tried to find any solutions. She was like a robot reading some lines. I noticed, that I mentioned to all the employees that I lost my job during the pandemic, but it didn't matter to them. Today, I have to wait to receive my money, I can't pay my insurance and my rent this month. I don't even know if I will get my money one day It is the worst experience I ever had with a bank in the US. Usually, representatives are professional and try to find solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This is NOT a duplicate complaint. 
I called your office ( CFPB ) and was told this may be most effective. 
I am submitting this new complaint because I fully disagree with Capital One 's response ( I also attached ) to my other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: SC

Complaint narrative:
XX/XX/2020 To Whom It May Concern : I am asking for this account ( XXXX XXXX XXXX ) Acct No : XXXX in the amount of {$460.00} to be removed from my report. When I moved from my home at XXXX XXXX XXXX XXXX XXXX, WV, I left my security deposit in my son and had the services transferred into his name. I have since paid the past due amount of {$460.00} on XX/XX/2020 ; However, I do not feel that because my son defaulted on his payments the said company had the right to come after me for the delinquent charge. 
I ask you please to help me correct this as promptly as possible. I have attached the receipt ( paid in full ) and if you could please contact me via email at or by phone for confirmation. I would greatly appreciate it. 
Thank You for your time and attendance in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
This complaint is in regards to U.S. Banks lack of providing financial relief during the COVID-19 pandemic. The U.S. Bank website is deceiving and contrary to the customer service representatives ( CSR ) information provided over the phone. Online does not provide any detailed forbearance information but over-the-phone a CSR said a Relationship Manager would provide repayment options AFTER enrolling in the " forbearance '' assistance program with no ability to know what the repayment options would be prior to enrolling. The CSR then said it was guaranteed that a Relationship Manager would provide a repayment plan in which the lump sum would not be required after 180 days of forbearance. Then, after further conversation, the CSR said it was NOT a guarantee that the Relationship Manager would have a repayment plan and that the lump sum COULD be required after 180 days. Thus, forcing customer accounts to go into default and potential foreclosures. With a company as large as U.S. Bank, it is imperative to have correct, detailed, and accurate information for customers to make an informed decision. Most forbearance assistance programs offer placement of payments on the end of the mortgage loan ; however, U.S. Bank is not providing ANY forbearance options, but rather a way to place financially strained customers in a further bind by using deceitful language to its customers.

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 2020-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
While still living in XXXX  I opened 2 accounts ( checking and savings ) with SunTrust ( NOW TRUIST ) in XXXX XXXX XXXX  online. I made my husband the secondary account holder ( it was an option ) and transfered {$1000.00} into each account. I did this so that we would be all set once we move there in XX/XX/2020. The bank sent me temporary check and deposit slips as well as an ATM card. Shortly after receiving the items, we received a letter stating that the accounts had been closed due to " Rules and Regulations for deposits '' and the money was returned in same letter. We called the Fraud department of the bank but were told that any more information was not available. 
When we moved to XXXX  we contacted SunTrust ( now Truist Bank ) to open a new account. We were told that the " closed '' accounts could not be reopened. To the question if we could just open a new account, the answer was no at first. After probing and speaking to various departments over an hour on the phone, we finally got to XXXX in the Consumer department who told us that only I, XXXX XXXX, could open an account but my husband XXXX could not. XXXX received this information from the back office, as she called it, of the Fraud department. Further questioning revealed that I, XXXX, wouldn't even be able to give my husband access to the account. My husband got on the call with XXXX and after another check with the back office of the Fraud department was told that SunTrust will not allow my husband to open an account and that he was banned for life of doing business with SunTrust. 
We were told that the Fraud department refused to speak with my husband nor are they willing to give any explanation as to what the issue is or allow him to address and/or defend himself against any possible falsities.

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 2020-04-24 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Lender Inc
State: TX

Complaint narrative:
On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: PA

Complaint narrative:
Disputed a chap XXXX bankruptcy with all 3 credit reports. Transunion, XXXX and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.

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 2020-04-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX   Experian and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.

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 2020-04-24 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: IL

Complaint narrative:
I contacted XXXX XXXX and Resurgence today XXXX around noon with an attempt to understand why I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX XXXX on XXXX via email to Resurgence certified mail on XXXX. I have been awaiting a response from XXXX. Today after talking to XXXX at XXXX, I realized that there is another email that I could follow up with XXXX on. I forwarded documents to that email. Resurgence told me that CACH LLC recalled the debt allegedly owed by me. Instead of correspondence from Resurgence and/or XXXX XXXX, I received a court summons letter from CACH LLC filed on XXXX at XXXX XXXX at the XXXX XXXX with no court date or time. There was a request for a substitute appearance. This is not my debt or responsibility to be sent to court. I also do not have a good number on CACH LLC ; Resurgence would not give me the number to CACH. I have not heard of or even heard from CACH LLC. I sent all documents and CACH LLC recalled the debt for a reason I do not understand. This is not my debt. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
In light of the automatic administrative forbearance applied through the CARES Act, my Direct consolidated loans were changed from repayment to a forbearance status without my consent. I have emailed FedLoans several times without response ( weeks ago ), and finally reached someone through XXXX but the response was vague and did not make sense to me. Even the one time that I reached someone through the phone, the representative did not seem like she was sure of the answer that she was giving me. I need accurate answers to the following regarding my federal loans : 1 ) Will my outstanding interest from PRIOR to XX/XX/2020 ( obviously not the interest during the temporary 0 % interest period from XX/XX/XXXX to XX/XX/2020 ) capitalize to my principal balance at the end of the automatic forbearance which I did not initiate? There is nothing IN WRITING on the studentaid.gov  website, and Fedloans has been giving mixed messages regarding this issue on their website, XXXX, XXXX etc. 

2 ) I understand that Public Service Loan Forgiveness ( PSLF )   credits can still be earned during the period of XX/XX/XXXX to XX/XX/2020. But for those of us who would otherwise meet the requirements and qualify but are unemployed, would unemployed borrowers still be able to earn PSLF credits during this period of time? Do I need to continue to be on administrative forbearance in order to still earn PSLF credits while unemployed, or can I stay in repayment status? 

3 ) If I go back to repayment status, but later decide to go back to administrative forbearance, am I able to do this ( until XX/XX/2020 )? 

The answers to these questions may help many other borrowers if it is posted clearly on the studentaid.gov website, and it would help if FedLoans also was consistent in all of its communications ( I don't expect much from FedLoans, and I don't trust them anymore about this issue ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for the Fifth Third Trio Credit card online. https : //www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards.html The page clearly states that I will earn {$100.00} after spending {$1000.00} in the first 90 days of opening the account. I even called 5th/3rd/ when I applied to ensure I was eligible for this promotion and was assured that I was. I spent the {$1000.00} in my first 30 days and have waited the 8 weeks for the XXXX  points ( {$100.00} rewards value ) to be applied to my account, it has not been applied as of today. 
I called today to ask for the status of this and was told I should have received a promo code - and since I didn't, I don't qualify for the offer. That makes no sense as the promo code would have had to come from 5/3 bank. 
This is misleading in every way possible I just want the bonus points that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I requested a forebearance on my mortgage due to my roommate losing her job due to covid19, but they only offered me one option- pay three months of deferred payments in a balloon payment in XXXX. My roommate is in the XXXX industry, is a XXXX, and her employer closed when XXXX XXXX instituted shelter in place orders. She normally pays rent which allows me to cover the mortgage, but since the mandatory closures- no rent. I can not pay a balloon payment and wish to have the missed payments attached to the end of the loan. I thought that is what the law says. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
I was alerted by XXXX XXXX app that a collection had been added to my credit report and the main credit reporting agencies. The collection is from Midwest Recovery Systems, regarding a debt of {$230.00} to XXXX XXXX XXXX XXXX?! This is not my debt! I do not know the company XXXX XXXX XXXX XXXX, nor have I used any check advance company, nor have I even had checks in many many years. Upon doing a quick XXXX search, it appears this is a fraudulent and illegal tactic used by Midwest Recovery System frequently. As I was in the process of applying for a home loan when this fake debt appeared on my credit report, I am considering filing a law suit against Midwest for such fraudulent behavior and the damage it has caused me. Midwest Recovery Systems needs to remove this fraudulent debt from my credit report immediately. I am also reporting to the XXXX and filing disputes with the 3 main credit agencies. My next step will be to hire an attorney to go after MRS for such fraudulent and criminal behavior. Please stop this criminal company from further damaging people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The original debt was to the apartment complex that I lived in. I was a victim of a violent crime and the Texas Attorney General 's office took care of the balance owed. Appropriate documentation was sent to facilitate this process. The listed collection agency continues to pursue a debt not owed.

Company response to consumer: Closed with explanation