vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, XXXX XXXX, and Equifax. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on Equifax but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a {$60.00} dollar pair of shoes from Belk & signed up for their credit card to save money. I wore the shoes to work that night but was told that they were not slip resistant and would not work for my job. I returned them to Belk the next day, but they never removed the debt from my credit card. I didnt know about it and never made a payment on it. Eventually, I called and settled my dispute with Belk and they recognized their mistake and quit trying to charge me for a pair of shoes that I returned. However, it is still negatively reported on my credit. The Belk Rewards card was from Synchrony Bank.

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 2020-08-20 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: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Southwest Credit Systems. I did not open or authorize this account, and I request that it be closed immediately.I have never dealt with your company or the company that you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have a loan with XXXX XXXX, TARGET/TD, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, TARGET/TD, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.

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 2020-08-20 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: CA

Complaint narrative:
On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, Trans Union, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,

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 2020-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I tried to update and correct information on my Credit Report through Experian, XXXX XXXX, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact Experian by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX  but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,

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 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received an email from a debt collection company called True Accord. The problem is that there is not enough information about original creditor. In short the emal refers to a bank account and charges that were applied to a bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I apply for a small business loan through the SBA of {$19000.00} and got approve and the money went to my personal account on the XX/XX/XXXX instead of my business account that was a error on my end for submitting the wrong account number so the money went to my personal account and I got a call from XXXX from XXXX stating she was gon na send the money back to SBA so I contacted SBA letting know I gave them the wrong account number and they said once they got the money back from XXXX XX/XX/XXXX they would put my application in the revise status and make the corrections however my money has still been sitting at XXXX because XXXX decided that she want to report to the fraud department, Secrect service, the police, and Gods know who else like I am a criminal and have commented fraud because she assumed just because I don't have a business account with that bank I don't have a business, she assumed wrong and took matter into her own hands as if the XXXX XX/XX/XXXX gave me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I contacted MoneyLion several times to cancel my paid membership and was told I can't because I still have an active loan that is pending collections. I told them the debt owed was included in my Chap XXXX bankruptcy filed on XX/XX/20 and discharged XX/XX/20 and I could provide documentation to prove it. They said the bankruptcy hasn't gone through on their end and I have to wait until that happens before I can cancel the membership. They continue to charge me a weekly fee for a service I am not using. The debt is being reported as included in my bankruptcy and showing a XXXX balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened this account on XX/XX/XXXX. Until now I have no way to access my funds. They still havent sent me a debit card and now they tell me they are closing my account for security reasons. This is totally unfair business and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: AP

Complaint narrative:
I I received a hard copy letter in the mail in XXXX of 2019 asking if I had received a check for the interest that I was over charged. I immediately called the number and explained that i had not recieved any check. Their representative told me that they would cancel that check number and reissue another check. I called for a TOTAL of three additional times after waiting for about 3-4 weeks and then asked to speak to a manager of one of the phone representatives.. I talked to a XXXX XXXX XXXX and explained my situation. I told him that I found it very difficult to understand that a XXXX dollar company could not sending a tracking receipt on the envelope. He told me that he was going to look into it as well. I then CALLED him from XXXX and he reassured me it was going to be done.I emailed him AGAIN last week and I haven't heard anything. I would say this would be acceptable if Covid was a factor with these delays. However, this started in XXXX of 2019. IF I was late on their loan payments that would be affecting my credit rating. how is this acceptable?? How can this company get away with this deplorable customer service. Nobody has been in contact with me with even a simple email in the last three weeks.

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 2020-08-20 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-20 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:
I have requested the removal of inquires on my credit report for XXXX XXXX and XXXX. I did not authorize those inquires.

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 2020-08-20 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: NJ

Complaint narrative:
on XX/XX/2020 I filed a police report because I noticed multiple inquires on my credit report due to fraud after numerous calls & complaints my problem of this inaccurate information is still showing on my credit report because the XXXX at Equifax refused to delete & remove them off of my report they keep stating that they removed the items but when I recheck my credit report the inaccurate items or still there my next step will be to take legal action against them for violating my consumer rights & defamation of character from the time period back on XX/XX/2020 I also followed up on XX/XX/2020 with a FTC report regarding the same fraudulent inquires after there reinvestigation they again told me that the inquires were removed & after rechecking my credit report the got XXXX inquires are still there they didn't remove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I opened my account on XX/XX/XXXX based on a promotion that said I would get 2 % of my direct deposits in cash up to {$60.00} per month and {$720.00} total. I set-up direct deposits and deposited {$2500.00} 2 x per month into my new account. I have been doing this from Mid XXXX through to today. On XX/XX/XXXX, I went to their online chat to understand the timing of my rewards. I was told that I had not signed up for the {$720.00} reward ( even though I used the post card that offered that reward to sign up ) but I had in fact signed up for the {$470.00} reward which pays the {$470.00} at one time if direct deposits continue for 3 months. I continued to meet the criteria of making the direct deposits which on XX/XX/XXXX HSBC confirmed " I do see that you have met the requirements for this Bonus. However the funds have not been deposited yet, so I will raise a case with the Bonus support to check with them what is the issue and delay. '' Then it took until today XX/XX/XXXX for them to respond to that inquiry filed on XX/XX/XXXX at which point they claimed that " The account was not opened using the campaign page and hence it isn't eligible for the welcome deposit. '' even though it was both confirmed on XX/XX/XXXX that I had and on XX/XX/XXXX that I met the criteria. I would like the {$470.00} welcome bonus which I was told several times I was entitled to.

Company response to consumer: Closed with explanation