vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CRA has continually reported unauthorized inquiries on my credit pofile.

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 2019-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I send a payment to M & T bank check number XXXX. The check was post into the bank but not into my account.

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 2019-10-11 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2019, PNC Bank was provided with illegal garnishment papers from a XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, who through illegal channels and without proper written notification to me filed documentation with Superior Court of New Jersey, XXXX County, Special Civil Part. PNC Bank is insisting on holding the funds in my account until I resolve the issue of this illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I APPLIED FOR A STORE CREDIT CARD WITH XXXX WITH A BALANCE OF {$1800.00} FOR A PROMOTIONAL PERIOD OF 12 MONTHS @ O % INTEREST. UPON LOGGING INTO MY ACCOUNT TODAY ON XX/XX/XXXX MY BALANCE REFLECTED AN INCREASE IN XXXX IN FINANCE CHARGES AND INTEREST FOR A NEW BALANCE OF XXXX. I HAVE MADE MONTHLY PAYMENTS ON THIS ACCOUNT FOR 12 MONTHS NOW OF AT LEAST {$160.00} AND SHOULD HAVE A VERY SMALL IF ANY BALANCE LEFT. WHEN CALLING THE CARD ISSUER TODAY I WAS INFORMED THAT THE NEW BALANCE REFLECTED IS DUE TO FINANCES CHARGES AND INTEREST ACCRUED FROM THE BEGINNING OF THE PLAN START DATE. THIS IS MISLEADING INFORMATION THAT WAS PROVIDED TO ME UPON SIGNING UP FOR THIS OFFER AND HAD I KNOWN THIS PREVIOUSLY I WOULD HAVE MADE SURE THIS HAD A XXXX DOLLAR BALANCE ON XX/XX/XXXX. FURTHER MORE, I HAVE NOTED A ACCOUNT ASSURE CHARGE PLACED ON MY ACCOUNT THAT I HAVE NOT SIGNED UP FOR AND HAVE NO NEED FOR AS I HAVE BEEN GAINFULLY EMPLOYED WITH NO RISK OF UNEMPLOYMENT. I BELIEVE THIS WAS PLACED ON MY ACCOUNT FRAUDULENTLY AND AGAIN SHOULD BE INVESTIGATED FURTHER AS IT HAS PREVIOUSLY BEEN SETTLED IN A FEDERAL LAWSUIT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 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: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid.

Since they have not sent me such documents they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX XXXX -XXXX XXXX related to this complaint : Account # 1 : Collector : WAKEFIELD & ASSOCIATES XXXX Last reported XX/XX/2019 {$630.00} Open balance UNIV OF XXXX XXXX Original creditor Account # 2 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$450.00} Open balance 12 XXXX XXXX N A Original creditor Account # 3 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$170.00} Open balance 11 XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX   XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, a payment to a CapitalOne Credit Card was submitted late. At the time of that my APR was 23.24 % and the card balance was {$15000.00}. Since then, CapitalOne - without any notice - increased my APR to 31.65 % and applied this new APR to the entire balance that was there prior to the increase. That is a direct violation of the Credit Card Act of 2009, as creditors CAN NOT increase APR without first providing written notice of it, and this new APR can only be applicable to any new purchases since the date of the increase. Lastly, an account must be delinquent for over 60 days for a creditor to be able to increase APR on said account. I have tried to resolve this issue directly with the creditor since, however to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I have already had to file a complaint against diversified adjustment service with the BBB because they were threatening my credit report and refused to allow me to dispute a debt they keep calling me over. I advised them I am disputing the debt and they will not allow me to do so. Now they constantly call my phone to harass me. I have told them 4xs now to stop calling my phone and they will not. This is harassment and I want it to stop. I just called XXXX XXXX today and advised XXXX the third party they sent information to is harassing me and I want it to stop as I have been making monthly payments to XXXX XXXX for a past due balance. XXXX XXXX  gets $ XXXX as we originally agreed to before they placed my account in collections and I am now being harassed and it is against the FDCPA to continue to call and harass a consumer after they are told to stop and after I advised them I am disputing the debt. They are to not call me for 30 days while they investigate the dispute in which they have failed to do. I want a validation and verification of debt from Diversified Adjustment and I want them to stop harassing me. I have already asked 4xs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
When sending money out of your PayPal account to a 3rd party, they present you with multiple funding options. Regardless if you select your PayPal balance OR select your " linked bank account '', the system clearly states, " the money will be sent right away '' for both options. However, when sending via the linked bank account, after you click " send payment now '' the system says that the payment has not been sent instantly and instead will be pending for 5-10 days. Additionally, there is no way to cancel the payment and the PayPal customer service is aware of this misrepresentation and says the system has been broken for over a month. Customer service also refuses to cancel the payment even with their " broken '' system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: MA

Complaint narrative:
I was notified by my credit union of some suspicious ATM withdrawals via automated SMS. I indeed did not make these four withdrawals at an ATM in XXXX ( Im in XXXX ),  and the credit union opened the dispute and shut off my card. Within the same day, they closed the dispute and denied it. I called to ask why, and they said its because theyre assuming I lent my card to someone, because it was a chip and PIN transaction. I told them I had my card in my possession in XXXX when these withdrawals happened, yet they denied it and are not giving my the approximately {$700.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: CA

Complaint narrative:
I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XX/XX/XXXX even though I was born in XX/XX/XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
So its an overdraft on my XXXX XXXX account for a closed account check that I didnt know was close that I receive and I was wondering why do I have to pay the bank back if the check was bad or the account was closed and Im trying to get another bank account but I cant do to the overdraft fees that been placed on my credit report!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
EDS Financial INCORRECTLY reported on XX/XX/XXXX that my student loan was 90 days past due. The amount due was a one time payment of XXXX dollars was due for XX/XX/2019. I paid it over the phone. I contacted EDS Financial on XX/XX/XXXX to see what was the problem. They admitted on the phone that they failed to see the payment of XXXX, made on XX/XX/2019 ; and because of that -- they were sending me a new form to " re-do '' it all. That was the exact conversation on XX/XX/XXXX. 

They didn't know I made the payment until I informed them of it, and I stated my email had a receipt of the payment. Then they found it. I was happy with that. I WAS HAPPY WITH IT AND THE YOUNG LADY WHO FIXED IT ALL DID A GOOD JOB. She was sending out another form to correct what was not done. Then afterwards, I called back afterwards to confirm the address. All was well. 

WELL! The very next day, my bank alerted me that EDS had already placed a 90 days late on my credit report and my score went down 100 POINTS! I Immediately called EDS.

A different Rep came on than the young lady did the day before. She could not explain it, and she said wrong things. At first she said it was because I was late -- but when she checked they saw the payment. After that I asked the person why could she not fix the mistake, and she said a Supervisor would have to call me back. No one called back.

I have the receipt of the payment, and the prior payments were ZERO. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I received two separate unauthorized transactions in the amounts of XXXX USD and XXXX USD originating from XXXX XXXX XXXX, XXXX despite the fact that I reside in XXXX, FL and made prior purchases in XXXX on the same day. I promptly contacted my Bank of America fraud department as I didnt authorize the transactions and spoke with XXXX, in Bank of Americas XXXX office, who promptly closed my card and opened a claim and informed me that as soon as the charges posted, I would be extended provisional credit while the claim was being investigated On XX/XX/XXXX XXXX, I contacted Bank of America once again by phone and advised that I had not yet received provisional credit as promised and was informed that despite the prior agreement, I would not be receiving credit until the investigation was finished, but that she would request a hardship credit. 

On XX/XX/2019, I called once more to follow up on my claim and was informed the matter was still under investigation and that I would be informed by XX/XX/2019 of either the outcome of the investigation or of provisional credit. 

On XX/XX/2019, I was sent an email that the dispute was rejected without a basis for that decision. 

Upon contacting again on XX/XX/2019, I was informed by XXXX in Bank of Americas Tennessee office that the claim was rejected solely on the basis that there were no other transactions attempted on the account after the initial fraudulent transactions. I, then, requested an appeal and was informed that Bank of America would reconsider the claim, but theyd have 45 days to make a decision and wouldnt have to extend provisional credit in that time, which indicates that they may have denied my claim to circumvent the Regulation E requirement to extend me provisional credit within 10 business days of the claim date

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 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Diversified consulting ( XXXX ) phone company I never opened a account in XX/XX/2018 and its still reporting thats it open and I have never open account {$1000.00} I contact company to see what could I do they told me they was investigating they never got back to me nor did I receive any more info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I was attempting to lift an Equifax credit freeze that was necessary for a time-sensitive mortgage refinance. I had my PIN number and all other relevant information, but was never asked for any of it. Instead I was asked to send physical copies of documents, including social security card and passport, to a PO Box in Georgia. While I am fairly certain I dialed the correct phone number for Equifax, the whole experience was suspicious. I was clearly connected with a foreign call center and I'm pretty sure I was not talking to a person likely to be named " XXXX ''. How do I know if this PO Box is even legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport.

WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport.

Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid.

SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts.

Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies.
XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX I applied for a refi on my home. Wanted to combine the 1st mortgage and the line of credit into 1 mortgage, thereby lowering the monthly payment. Sometime in early XXXX the loan was approved and we closed on XX/XX/XXXX, with the 3 day rescission disbursal occurred on XX/XX/XXXX. The 1st mortgage balance was XXXX thru XXXX XXXX + XXXX for the line of credit thru US Bank. My new mortgage is XXXX, with some extra money for a new roof. Somewhere around XX/XX/XXXX I started getting phone calls from US Bank about the line of credit payment not being made. Spoke with XXXX XXXX, the mortgage loan originator, and he said it will be taken care of. The calls & letters continued, XXXX kept saying it will be taken care of. Now, the lack of payments is being reported to the credit bureau, thereby affecting my credit score. Late XXXX XXXX told me it was out of his hands, and I should contact the bank manager, XXXX XXXX. 
Several phone calls, have never been returned. Spoke with the mortgage collection department, they don't know what to do to help me. Sometime in the last few days the balance has been paid, but it still has affected my credit score. I would like a letter sent.

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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have attempted to resolve this via the credit bureaus and with ARS ACCOUNT RESOLUTI directly and I have yet to receive any form of validation for this erroneous entry.

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 2019-10-11 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: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid. 

Since they have not sent me such ORIGINAL SIGNED DOCUMENTS they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX -XXXX -XXXX Account related to this complaint : Collector : WAYPOINT RESOURCE GROUP Last reported XX/XX/2019 {$170.00} Open balance XXXX XXXX XXXX Original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation