vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
1- withdrew {$20.00} 2- went to redeposit {$20.00} 3- atm could not process the transaction AND DID NOT PRINT RECEIPT OR RETURN {$20.00}. 4- approached branch and they stated they would put a claim in but never did. 5- asked for manager to meet me at machine- waited 30 minutes no manager. Branch did Nada, Zero nothing. Called Regions help allegedly agent opened compliant- checked on line and entered secured message 6- Opened complaint with regulatory agency! 7- Did followup Friday. NO secure messages, no redeposit of funds, nothing on file or in notes from them. 7- Allegedly all calls recorded and monitored NOTHING another LIE! 8- opened 3 new secure messages. 8 Allegedly agent opened another inquiry wait another 3 days more. Stated all calls recorded. Now ATM an agent of theirs dispensing or receiving deposits. Customers are at the mercy of the machine. In my opinion nothing from you or them. I expect nothing because this is a scheme. However, if you are the honorable company and organization you claim to be I expect my {$20.00} back. This is elderly abuse at its max since they infer I am the thief! 14 Regions XXXX XXXX {$20.00} {$380.00}

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 monetary relief
Consumer complaint received 2020-07-17 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: NV

Complaint narrative:
A previous complaint ( # XXXX ) was filed about this item and the complaint closed. At this time, I will provide information that the agency COULD NOT have received any information from the 3rd party they requested information regarding the bankruptcy which they have in my credit file. The 3rd party vendor the agency requested information from has " suppressed '' public records since XX/XX/2019. Therefore, it is erroneous of the agency to state this is how they received information about a bankruptcy which they have listed in my credit file. The agency has provided false/inaccurate information in my credit file, which is a violation of the FCRA. And is also punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I made my monthly payment on this car loan. The payment was accepted and cleared. Then later i checked my bank account and the money was returned. I immediately paid the payment again. I tried calling customer service and i couldn't get any agents on the phone. I am not sure why they reported me late on my credit report to the credit bureaus. I also had deferred 3 monthly payments to the end of my loan in XXXX. So its not possible that i could have been late when they were differed to the end of my loan. This is outrageous i am so mad about this late payment hurting my credit reports.

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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiries that I have no knowledge of

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 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
On XX/XX/XXXX via an online site, I took a payday loan from XXXX in the amount of {$600.00}. This loan was las reported on my credit report on XX/XX/XXXX. On XX/XX/XXXX, this loan has resurfaced on my credit report through Midwest Recovery in the amount of {$1500.00}. I am uncertain but based on my research I am understanding that " it is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. '' I believe this may be the case. But, I am requesting your review of the matter. This account has appeared on my credit report on XX/XX/XXXX. THIS DEBT IS 9-10 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXXe , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I put my account on autopay mid XX/XX/2020. The AutoPay was setup to be taken on the XXXX of every month. On the XXXX, I spoke to a representative at Mr. Copper who assured me the payment would be taken on the XXXX ( yes, three days after it should've been taken ). She said it was processing and that it will be reflected in my account. Today, I logged in because money still hadn't been withdrawn from my account and I had a {$50.00} late charge assessed to my payment. Upon speaking with another representative today, they could not give me any real guidance as always. She stated they will put in the request to have the {$50.00} removed, however it wasn't guaranteed. This company has been nothing but a complete disgrace. I have print screens showing the fee assessment along with print screens showing AutoPay turned on and the day upon which money should be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED 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 2020-07-17 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 have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED 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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
I left XXXX XXXX XXXX  in XXXX VA IN XXXX of 2018. We had free XXXX XXXX and now I have a bill I know nothing about. Now Franklin Collection SV wants {$94.00} and flagged my credit reports for a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Im being balanced billed. And they are in violation of Florida Statute 641.3154 ( 1 ). 

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Our 2 year CD expired XX/XX/2020 with branch closed due to corona virus. I called XXXX number and was assured bank default policy was to renew CD for the term of the expiring CD at the then current rate. I assumed the CD was renewed. At my next statement XX/XX/2020 I found out the CD was not renewed and placed in a regular savings account with minimum interest. I went to the branch manager to have the mistake corrected and he would not renew the CD for the rate in effect in XX/XX/2020 and make the interest payment retroactive to that date. He claimed the bank error could not be corrected, he could only open a new CD for the amount now in the account, without crediting for interest that should have posted since a XX/XX/2020 default renewal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
I am still in preparations in purchasing a home, I have been monitoring my credit report thru privacyguard and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX  | XX/XX/2019, XXXX  | XX/XX/2019, XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX  XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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.

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 2020-07-17 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 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.

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 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a Southwest Credit card ( through Chase ) for over 7 years. Rarely do I keep a balance, never late or " maxed out ''. Recently, I added several authorized users ( which is allowed according to their policies ). I got a phone call from them to confirm that I authorized this and all seemed " good ''. A month later my accounts ( had an Amazon as well ) are closed. When asked why they closed my accounts they said that " too many '' accounts had been opened and the account was being used " incorrectly ''. I have " No balance '', the authorized users ( with the exception of one ) are under the age of 16, I have not recently opened any other accounts, they allowed me to add users, I have paid my bill consistently on time, I've had this account over 7 years ( in perfect standing ) and when calling to inquire I am put on hold multiple times, told to wait for the letter in the mail that will explain more as to why the account was closed and then, finally told that there isn't a manager available and someone will call me with in 24 hours. This closure was without notification has had a snowball effect. My credit is affected and embarrassment when attempting to make a purchase and the card is declined!!!! As of this writing no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-07-17 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiries that I have no knowledge of

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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries that I have no knowledge of

Company response to consumer: Closed with explanation