vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: MO

Complaint narrative:
I have tried several times to dispute accounts with the 3 credit  bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX  XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( XXXX  Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( Equifax only ) Rise- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( XXXX  and XXXX  ) - Sent to collections XXXX . I  have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CONTRACT CALLERS INC
State: MD

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm trying to link my account with XXXX and it will not allow me to do so? I'm trying to make an investment to grow my money for future use and this bank will not allow me to do so. I need to know why this problem exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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 canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My personal identity information was theft by someone and using it to get a credit card from Bank of America. The Bank of America failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the XXXX  credit union and the Bank of America. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with Bank of America 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from Bank of America and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old 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 2020-07-11 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. 

XXXX XXXX XXXX {$740.00} ACIMA CREDIT FKA XXXX  {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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:
Freeze my accounts

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, I deposited a check from work for {$5000.00} into my checking/debit card account at Bank of America. All monies were then deposited into my account and posted on my active balance. Two day later on XX/XX/2020, I went my massage place which I have been to before and new issues. However, on this date, I was charged {$5500.00} for a massage that normally would only cost around $ XXXX! Upon, my recipt which showed the accurate amount, I was later charged the edited amount on my Bank of America Balance of {$5500.00}. After calling Bank of America, and being handed over the phone to 3 different bank agents, I was told that there was nothing they could do. I also called the Massage place that charged me the {$5500.00} and they refused to removed the charge and gave an excuse that they did not want to remove the charge because they would lose a 2 % card fee for my transaction! Therefore, I am formally sending out my complaint because both my bank and the merchant are unwilling to rectify the incorrect charge, and in essence, steal over {$5500.00} from me! While this amount does not see like a lot to Bank of America, this is a very large sum of money to me and I actively depend on it for my livelihood especially during the COVID-19 Pandemic! Please if you are able to get either the bank or my merchant to actually fix this fraudulent transaction and theft of my money!

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have always had excellent credit. 
Since the 2006 housing market crash banks have been chiseling away at all low interest cards. I had all fixed rate cards at 7-9 % interest. They have all converted to variable rate cards ( NOT BY CHOICE ). Same card numbers and now at 16-19 %. 
My credit score was only lowered because Obama 's bank bail out changed how credit scores are done. 
With the current covid issue the banks have not even stepped up to lower rates, I had already called all of my credit card companies and was able to reduce interest by 4 % for 6 months, before the covid issue, but have to call them every 6 months to have the reduction redone and then it takes a month to kick in and then repeat every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Pnc bank is not letting me link to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Wilmington Savings Fund Society owns my second mortgage. The servicing company representing WSFS for this second mortgage, XXXX XXXX XXXX, took over servicing this second mortgage in XX/XX/2019. For the first payment for XX/XX/2019 XXXX sent me a bill for {$1400.00} in overdue fees. Without explanation in writing or over the phone, XXXX immediately put negative and false information on my 3 credit files which is a violation of FDCPA. For whatever reason XXXX removed the {$1400.00} after approximately 7 months. But statebridge will not remove the false credit information. Further, XXXX charged an additional {$90.00} in overdue fees without any explanation prior to charging the fee. This second mortgage prior to XXXX involvement was managed without incident for approximately 5 years with XXXX XXXX. XXXX has violated NC GS 75-1.1 for fraud and mismanagement in addition to violations of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I received a letter and repeated calls from NCB management services claiming I owe them {$1200.00} and they are representing an account for XXXX XXXX XXXX XXXX ( which I do not believe is a real and licensed business in the state of Mississippi ). I contacted them immediately because I did not believe I owed this amount, or anything at all to NCB or XXXX XXXX XXXX XXXX. I emailed their listed email address info@ncbi.com, and mailed them a physical copy- after no response in several business days, I called their number and spoke with someone named XXXX , he stated they received my email and letter and that all communications have stopped and I should not received any calls or emails about the debt owed ( per my request in the email/letter ). He also stated the company was working on providing me with the validation or how it can be resolved regarding my credit bureau ( as my email requested the trade line be fully deleted from my credit bureau ). I thanked him for his time and we ended the call. Since I have had zero information provided to me from them in anyway, they continue to send me collection emails ( last received one to my school email on XX/XX/2020 ), and they have not provided validation of this debt to me or any credit bureau other then their falsified charge off. Since it has been well over 30 days and they received my request via email, writing, and verbally, as well as verbally confirmed acceptance of these requests- I seek to have the trade line 100 % removed from all credit reporting agencies as they have failed to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Took wife 's car to the dealership for services picked the car up paid using our DISCOVER CC She was driving to work wife noticed there were issues with said repairs. The car shook violently radiator recovery bottle was empty and tires were not rotated. Paid for rotate n balance-oil change and alignment contacted dealership immediately via phone-voice mails emails and none were replied to so on wifes next day off ( XXXX XXXX XXXX XXXX ) Had to take her car to a different shop after seeing what they didnt do correctly and things they didn't do at all and the fact they were ignoring all the emails and voice mails I was leaving. Upon having to pay for the same services again I threatened reviews and chargeback to the dealership and I get a response and was told to send them the invoice and they would send me a check ( have email ) Well they never did so I disputed the charge, XXXX closed the dispute saying dealership sent them a signed invoice even with all the documentation I sent showing paying for same items on the same car 5 days later. Service`s were not performed correctly and some not even done. So I call XXXX again on XX/XX/2020 and was told if I sent the email with the service manager telling me about a refund they would dispute that amount. So today XX/XX/2020 I call and I am told its good I sent that in but there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11 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: EdFinancial Services
State: GA

Complaint narrative:
EdFinancial is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: DE

Complaint narrative:
Unauthorized inquiries on my transunion report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX XXXX XXXX I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry XXXX XXXX XX/XX/XXXX I did not authorize this inquiry

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 2020-07-11 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My personal identity information was theft by someone and using it to get a credit card from XXXX XXXX XXXX. The XXXX XXXX XXXX failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the Experian credit union and the XXXX XXXX XXXX. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with XXXX XXXX XXXX 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from XXXX XXXX XXXX and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old 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 2020-07-12 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:
XXXX is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

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 2020-07-12 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:
XXXX is showing I was 90 days past due in XXXX through XXXX of XXXX. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The debt was dismissed in court. The original debtor sold it to a third party who is doubling the amount and requesting payment of a debt that was dismissed in court. This is an act of unfair credit reporting.

Company response to consumer: Closed with explanation