vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: SC

Complaint narrative:
I have been recently been going over my credit report and finding things that do not belong to me. I just recently started checking my reports because my info was compromised in the XXXX  data breach. Every time I have sent out for this company to send me proof this is my account by sending me any contracts or agreements they have bearing my signature they send me an old bill from the original creditor stating this is there proof to validate my account being mine. I haven't gotten anywhere with XX/XX/XXXXhaving them get me the proof validating the account to be mine, XX/XX/XXXXcontiues to say the account is mine. If there getting the same " validation paperwork '' to prove the account is mine then they are reporting bad and wrong information about me on my credit report. I started sending out the disputes to this company since XX/XX/XXXX I would like you to see into this for me, I want to see a contract bearing my signature or delete it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX I called & applied to refinance my home. Simply wanted to get cash out from 60 % equity I had. 
Dealing with PNC has been a nightmare! 
Ended up with a Home Equity Installment Loan at 4.24 % interest. First letter states 4.04. Todays interest rates are around 3 % The mortgage I refinanced is in XXXX XXXX XXXX XXXX name at PNC. Both of us have excellent credit. 
Must have made 15-20 voicemails & phone calls to them & most of the time no response. 
I believe PNC does these home equity loans to make more money. 
Ive had 10-12 mortgage in my life. Five rentals non-owner occupied. Never misleading like PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

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 2020-06-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
Re : XXXX Customer Service Center I renewed my XXXX Lease ( traded in XXXX XXXX XXXX  for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with XXXX and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that XXXX would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that XXXX handled this situation with any sort of professional due diligence. Had I received a phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Home Depot credit card issued by citi bank. I made a {$60.00} purchase and was 1 day late I received a {$35.00} late fee and was 1 day late in paying the late fee so I received another late fee this went on for months until it reached over {$200.00} in late fees I tried to call and resolve the issue and was told some fees would be waived but they were not. My credit score went from excellent to poor. I do not feel it is right that they can compound late fees and ruin my credit. It was also impossible to speak with anyone who could help. 

my name XXXX XXXX card # XXXX Phone # 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 2020-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
First of all I want to say that CFPB does an amazing job for our country and I'm sure you're helping even more these days with the pandemic going on. 

I'm complaining about a series of mistakes made by Fulton Bank which are preventing access to my money. 

I opened an account with Fulton Bank in XXXX of XXXX. I opened the account with a deposit of {$150.00}, made {$5.00} in debit card purchases, and earned a {$25.00} bonus for a total of {$170.00}. The balance remained at {$170.00} until XXXX. 

I logged in a few weeks ago to close the account and noticed there was over {$2000.00} in it. I determined that someone else had somehow used my account number to link with their XXXX account, and passed verification, evidenced by two small < {$1.00} " verification '' transactions in XX/XX/XXXX. There were many deposits and a few withdrawals. 

I called in, and this is when the unpleasantness began. 

I said I simply want my {$170.00} and don't care about the rest. They said they have to start an investigation. They made me go to a branch on XX/XX/XXXX to sign about 20 forms, one each for the transactions that weren't mine. They said they would get back to me within 24 hours. At that time, I asked if I could withdraw {$170.00} and they said I could not. 

Today ( XX/XX/XXXX ) I got a call asking me to go to a branch and sign the dispute forms. I said not only did I sign them already, I have photocopies, so what are you talking about. The caller seemed confused, then apologetic. That's when I decided I needed to make a complaint. Fulton Bank has been holding on to my money, even knowing that A ) I want it back B ) I'm being 100 % honest about the rest of the money which isn't mine and C ) I have done everything they asked me to do promptly. 

I'm very upset that not only have they allowed improper access to my account, but they have lost the paperwork I went out of my way to sign, and on top of all that are preventing me from accessing my own money. 

I feel like I am being punished for doing the right thing. I can think of multiple other ways I could have handled this situation that would have allowed me immediate access to my money and far fewer headaches and I am very upset with Fulton Bank. 

You may also want to investigate XXXX and how they allowed the account to be " verified. '' Did the other person have access to my bank account? Did they guess correctly? ( 1/1000 chance ) Does XXXX actually ignore that test when allowing linking? Either way I want my money back and I want it ASAP.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX  turned us into Convergent  Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this. 
I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
Dealing with Real Time Resolution has call again today XXXX and yesterday. They call claim I owe money for tuition to XXXX XXXX  XXXX. The amount is about {$280.00}. I finished attending XXXX XX/XX/XXXX. 

I have finished paying my student loans through garnishment this XX/XX/XXXX, where it was also noticed I overpaid by {$2000.00} and reimbursed me. 

I have told them this and they continue to tell me they have no record. I have requested them to mail me the information, they have said they have, yet still haven't seen a letter. 

Since they don't seem eager to send me information I am feeling it's more a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/2020. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. 

Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. 

I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.

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 2020-06-16 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: FL

Complaint narrative:
MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FL

Complaint narrative:
MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Step 1 : What is this complaint about? 

I tried to link my pnc bank account to XXXX XXXX. 

Step 2 : What type of problem are you having? 

But I got a message : pnc has made a change that prevents you from being able to link your accounts Step 3 : What happened? 

The page prevented me from going any further and referred me to consumer finance site. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I tried to link my XXXX XXXX account earlier and was rejected when it was time to link accounts then too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am trying to sign up on the investing site, XXXX. In order to do so I need to link my bank account. PNC is not letting me link my bank account so therefore I can not open an investing account and claim my free stock. This is my money and PNC should be allowing me to link my bank account with this verified, trusted service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Received a letter from TD Bank , N.A . managing my XXXX XXXX account about the privacy policy. I wanted to restrict information which bank shares about me, called provided number ( XXXX ) - nobody picks up without providing an option for a call back number or information about wait time. Called a general number for TD Bank ( XXXX ), left a call back number nobody called back. TD Bank NA does not give me an opportunity to restrict my information sharing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: CA

Complaint narrative:
Thanks to the great work of the CFPB, I had a two-year long dispute with Capital One resolved within a month of the CFPB getting involved. Case id : XXXX The investigation was resolved, Capital One 's fraud team found there had in fact been fraudulent activity on my account which resulted in two delinquent/late payment charges being added to my credit report. 

Capital One reimbursed the money and awarded the dispute in my favor ( letters and account proof attached ) however, the two late payment charges remain on all 3 bureau credit reports. 

I contacted Capitol One and was passed from team to team, with none being able to confirm that they had updated my standing and removed the late payment red flags from my credit reports. 

I'm currently refinancing and this bad reporting is seriously affecting my ability to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Repeatedly requested a written copy of the debt, breakdown to confirm. Repeatedly asked for a statement of bill. Was told they are not sending anything else out. Others said they would and never have. Made multiple phone calls without resolution. I have been not able to make any progress to confirm the bill and make payment, ut I keep getting threatening harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last XXXXwo years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

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