vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts have been disputed and no information has been received within 30 days a sa result and by law these need to be removed. These accounts are not reporting on any other credit bureau and you need to follow suit with deleting : XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  -TOO OLD TO BE ON RECORD XXXX XXXX-TOO OLD TO BE ON RECORD ALSO THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME FOR THE PURPOSE OF EMPLOYMENT, CREDIT, OR INSURANCE AND SHOULD BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all. 

Eastern Accounts System : XXXX XXXX {$0.00} due account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I sent over a letter to Exeter Finance because the amount showing on my credit report does not appear to be accurate. I sent the letter on XX/XX/26 and have not gotten any response. This was only after I called in two months before and was told that I would be emailed out information. The company is reporting false information and will not comply with the law by providing me the documentation that I have requested both in writing an over the phone to show the account information as reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. BBVA Line of Credit we had matured XX/XX/2020 no lates payments ever on this loan. 
2. BBVA said they were going to not renew our line. 
3. BBVA said they were going to offer us a term loan alternative. 
4. BBVA stop communicating to us XX/XX/2020. 
5. BBVA sent a collections letter .6 BBVA we called collection center explained to them were waiting on the loan or renewal program. Bank rep asked if we were experiencing COVID funds issues. We explained yes they stated a ticket number on the file. 
7. BBVA second talk they said due to COVID they would renew the line and remove bad credit marks.

8. BBVA has again cut all talks with us 9. BBVA is now reporting 30-60-90 days late on our credit report the only bad debt I have ever had and we never missed a payment due from them not offering to let us pay. 
10. They have made no attempt to contact me, negotiation with me or update me since late XX/XX/2020. 

The core is they offered me a renewal and stated on there recorded line they would remove bad credit marks and allow us to regain payment records on this loan Prior to this we never had one late payment to them and keep a perfect credit file. 

Please help us with them they are not operating fair.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been a Bank of America Visa card holder for 16 years. I always pay on time and have excellent credit. I also have a large credit limit with them. I have put trips and weddings on this card. I paid this card off in XXXX but kept a small ongoing monthly charge to make sure I kept it open. In XXXX of XXXX, I uncovered a {$32.00} charge I did not make. I called the credit card company to tell them about this erroneous charge from XX/XX/XXXX. They closed my account, never sent me a new card, and will not reopen my card. I have spent 2 hours on the phone and then spent 2 hours at a financial center for B of A in XXXX trying to resolve this issue to no avail. My interest rate is low and I wonder if they deem me as an unattractive customer now that the card has been paid in full. I am also concerned about my XXXX  mileage reward point which appear to have been cancelled along with the card.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
Lyons, Doughty and Veldhuis of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX have sent a copy of a garnishment of wages that indicates that it comes from the XXXX County court house. This document adds an additional {$570.00} to the balance due. In addition to that, the total due is incorrect. We have contacted them on several occasions and requested for them to provide a detail of account of what is due, including monies paid to them. This company is collecting on behalf of XXXX XXXX. This company has never supplied this to me. I spoke to a XXXX and both times she said she didn't realize we needed a detail list of what is due. She tried to use semantics indicating that the balance was correct, however, she was indicating the original balance which is not in dispute. On multiple occasions she wanted to send me to another department for de-escalation, I told her simply, all we are asking from you is a detailed of the amount you are claiming that I owed. I contacted XXXX XXXX and they no longer service the debt. I did inform her the amount is wrong and fraudulent. They claim to record all calls, please take note that if that is the case, they should have record of my calls and request. 
This collection agency is continually harassing my place of employment by sending letters, including during this pandemic, when I was having trouble contacting someone to speak to at my local XXXX County court house. My place of employment in good conscience can not deduct money from a sheet of paper that clearly is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo Bank in appropriately cashed a check that was either intercepted or lost in the mail. The Payee clearly did not match the party that cashed the check. The check was made by a financial institution ( XXXX ) made payable to another financial institution ( XXXX ) yet somehow ended up being cashed by Wells Fargo. 

An attempt was made to contact Wells Fargo about the issue, was informed that because I did not have an account, there was no way they could open an investigation for their participation in the interception 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 2020-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My problem is with Equifax. It is over many months that they refuse to correct MULTIPLE items on my report that have significant adverse affect to me for NOTHING that I did. I have 3 separate accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) that report me as 60 days past due. It is IMPOSSIBLE. They should only be 30 days and they are CURRENT now. They refuse to delete a collection despite multiple notifications and email from the collection agency to delete the account. They are showing another account ( XXXX ) as having a 60 & 90 day late payment in XXXX when it was IMPOSSIBLE. In addition they are impossible to get on the phone, when you do connect they are rude, dismissive and obviously of no help. Whenever I do try to get a resolve I get a monotone response that it is you must wait 30-45 days. My concern is this could go on for 9 months until it is corrected and at an expense to me. I am being held accountable for NOTHING I did wrong and at a time that I need this to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Trying to link my account to XXXX and XXXX account and it denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
HRRG contacted me informing me that I had an outstanding debt for emergency room services from XXXX. I contacted the hospital they told me the charge was with and the hospital said I did not have an outstanding debt. I asked HRRG to contact my insurance company to see if they had not paid an invoice of some sort. HRRG informed me that the insurance company never responded. I asked HRRG to send me an invoice for the amount due. I received the invoice from HRRG which clearly states the balance was paid by the insurance company and that my personal amount due is {$0.00}. They have continued to call me from different numbers to harass me, asking for personal information, and not acknowledging that the debt has been paid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received the TD Bank open an new accounts with promotions. 

The promotion card was showing : The criteria are as follows : A {$300.00} bonus is made available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 

My account was opened on XX/XX/XXXX. I made direct deposit funds of {$2500.00} on XX/XX/XXXX. I was send a send a secure message on XX/XX/XXXX to check status. UntilXXXX I received a reply MSG I'm not qualify. 

The MSG is below : Please note that qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payment received for goods sold do not qualify. 

Due to your opening deposits being transfers and not a deposit as mentioned above, this account does not qualify. 

But the promotion does not mention anything this above informations. 
This is promotions will misleading consumers.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been a victim of identity theft due to multiple data breaches with prior employers and a major credit bureau ( XXXX  ). As a result of this identity theft, it has impacted my life in a major way resulting in a declination of employment, residential leases, consumer credit, and has cost me greatly when establishing credit or utility services with large down payments requirements. My personal credit report with all 3 major credit bureaus ( XXXX, XXXX, Transunion ) have multiple inaccuracies listed that is displaying  defaulted credit items that do not belong to me. I have multiple Hard Inquiries that are listed on my personal credit report that I did not authorize. There are addresses and phone numbers listed on my personal credit report that do not belong to me. I have been disputing all of these items over the course of the past few years with no real changes being made to my personal credit report which is impacting my overall personal FICO score negatively. 

NOTE : I AM NOT WORKING WITH A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY, NOR AM I PAYING A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY. MY DISPUTES SENT TO TRANS UNION LLC HAVE ALL BEEN DONE ON MY ON TIME, MONEY AND EFFORT.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a negative reporting from this company. I disputed this debt in XXXX from another collections company. The CFPB reference number is XXXX. I spoke with the XXXX XXXX company and was able to get more details. The cable account was opened at family members residence with out my consent. Ive never reside at the house and authorize service and never signed any contract for that service agreement. After filing the dispute with CFPB in XXXX and advising the original creditor the account was not mine and I never authorize the account to be opened. The collection company removed the negative account from my credit reports. 
On XX/XX/XXXX a new collection company SEQUIUM ASSET SOLUTIONS trying to collect on the same debt. 
The company has never sent me any written notification. Ive called and was transferred to several people. I tried to explain the details above and was advised to just pay the debt. 
This just appeared on my credit again and this is unethical and wrong, I'm asking for this to be removed from my credit .There trying collect a debt again that's not mine and never was authorized and was never able to provide some kind of contract agreement that I authorized. Im a victim of a family member opening an account with out my authorization at their residence .This was explained to XXXX XXXX . The account was removed and Im Requesting for it to removed again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: FL

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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