vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to CREDIT COLLECTION SERVICE agency because I am having difficulties applying for new credit cards. I paid the collection and do not owe anything, but the mark in my XXXX report prevents me from achieving the desired results. 
I am kindly requesting CREDIT COLLECTION SERVICE agency to remove this collection from my credit report as a gesture of goodwill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
The company is attempting to reach my ex husband. I have explained on at least four occasions now that he is not reachable at this number, that I do not have his contact information, and that we are divorced, but they keep calling, several times a day. 

XX/XX/2020 - three calls Midland Crdt Mg  XXXX - 2x Private number XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - two calls Private number XX/XX/2020 - two calls Midland Cm XXXX Unknown XXXX I have no idea what the nature of their business with him is, nor is it any concern of mine. I am registering this complaint as they are harassing me for no valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/2020 my account was hacked where the hacker initiated a {$5000.00} funds transfer from my outside XXXX account to my USAA checking account which USAA made available immediately. As I had USAA on the phone, the hacker then did a wire transfer of {$4600.00} from the USAA account to their bank. In real time, USAA initiated an investigation into the wire transfer. I stopped payment on the transfer from XXXX ( there was not enough funds in that account to even cover such a transfer ) which caused an overdraft in my USAA account. Rather than crediting this fraudulent amount back to my USAA account, they left it overdrawn. Fast forward to now ... I have tried several times to follow up on this investigation and can't get anyone on the phone. I have been told on three separate occasions that they have put in for a call back and that it could take up to 3 business days. Still, NO CALL BACK. In addition, the bank has called me two times to collect this " debt '' I have explained each time that it was fraud and being investigated ... this didn't seem to make a difference. They told me that if I didn't make it current they would close the account and charge it off. As of XX/XX/2020, the account has been removed from my access, closed and charged off. this is not acceptable. In addition, they owe me money that was already in the account when this occurred and the profit sharing that we were awarded and was put into this overdrawn account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 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: NY

Complaint narrative:
I am a victim of identity theft. Someone use my information to open up fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have reached out to Hyundai Motor Finance Account # XXXX to question some information which is reporting they have failed to respond to my request. I have some inaccurate reporting to which I would like Hyundai to provide me with the correct data to ensure accurate data is reporting. 
1. Date of last payment 2. Date of first delinquency 3. Payment status I also requested the end of lease letter and payment history starting in XXXX XXXX XX/XX/2020.

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 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I have requested call stop on cell phone and house phone. Calls continue 20-30 times a week all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to deposit a XXXX dollar check online at XXXX around XX/XX/XXXX. The check never went through on my end but they still took the money and have not returned it. They stole this money and will not give it back. 
I want my money back immediately and have called them many times. 

Suntrust bank is a fraud!!!

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 2020-12-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is my formal complaint against XXXX & Experian. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to XXXX  requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, XXXX, I invoked my right under the Federal Credit Reporting Act and disputed this account to Experian. Experian has continued to report this account although, XXXX, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should? XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, Experian has continued to report it. The LAW is clear and straightforward, and I feel as if Experian & XXXX is using this pandemic as a means to break it and violate my rights. Additionally, I went to the Experian website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

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 2020-12-15 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: GA

Complaint narrative:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.

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 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had account protection with Victorias Secret against job loss. When I attempted to contact the company when I was laid off my balance was XXXX in three months its now XXXX $ and I have repeatedly asked to have this issue rectified and the commenity bank calls me over 20 times a day and the agent I last spoke to was rude yelled at me and hung up. No one is willing to honor their contract so I asked them to cease and desist with the phone calls and send a letter and they are still harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, our loan on a property at XXXX XXXX XXXX, XXXX, NC XXXX, was serviced by XXXX XXXX. XXXX XXXX merged with XXXX and began servicing the original loan number XXXX. 

First Citizens notified us : We will charge you for insurance we plan to buy from XX/XX/XXXX - XX/XX/XXXX, unless we can verify that you have Insurance coverage for XX/XX/XXXX - XX/XX/XXXX. The insurance we but : Will cost an estimated XXXX annually. 

My insurance agent from XXXX XXXX has sent verification of insurance on more than one occasion to First Citizens. 

Today XX/XX/XXXX, I spoke to XXXX a rep and then to XXXX, a manager. I explained that we do not escrow insurance and pay the insurance annually on XX/XX/XXXX, every year. I also explained that since there was no indication of non coverage from XX/XX/XXXX to XX/XX/XXXX, that the insurance was indeed paid ( XX/XX/XXXX to XX/XX/XXXX ). There was also no notification of cancelation of policy to the mortgage co. 

Both reps of First Citizens indicated that the original info must have been lost when the banks merged and that it was my responsibility to provide them with proof or I would be charged for a policy to cover the time period of XX/XX/XXXX to XX/XX/XXXX. 

I am not responsible for the gross incompetence of the bank, their staff and the failure of First Citizen 's to maintain records and feel that this action is an attempt by First Citizens to extort money from me. 

Incidentally First Citizens also services two other mortgage loans and a equity line of credit in the same city. I do not pay escrow on either of these loans, and the insurance on the other two properties are paid annually from XX/XX/XXXX to XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Cell XXXX H- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and on XX/XX/XXXX, MACYS/DSNB add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX/XXXX  XXXX XXXX, UNITED AUTO CREDIT CO and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX  billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX  until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CT

Complaint narrative:
Equifax keeps splitting my file into two files and they keep asking for documentation every couple of months. This is an ongoing issue with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/2020, Wells Fargo charge me for an overdraft that they claim to have paid for me first off I didn't have any money in my account and I have overdraft protection to avoid this what I don't understand is how is it possible for them to continue to let this happen I have numerous of charges from XXXX  and XXXX from 2 or 3 months ago I want to be reimbursed for those charges ALL of them. Wells Fargo is doing a FRAUDULENT activity they told me that we're only going to go back 60 days from today when I been getting charge way before that I prayed that every WELLS FARGO gets SHUT DOWN!! I'm so tired of them not be punished for their scandalous doings.

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 2020-12-15 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: VA

Complaint narrative:
I called Equifax and spoke with several employees including someone in their Consumer Affairs Department. I called them because I applied for a apartment and received back information saying there was a fraud alert on my account. I wanted to know what it was. The agent said they needed to verify who I was but after providing them with my Name, Social security number, date of birth, current cell number, current address and the total amount of my students loans and who they are with this was still not enough verification data. I feel that considering I didnt give them permission to have any of my personally identifying information they should be verifying my data with me. 
They actually requested more documents for me to verify who I am. The process is time consuming, unnecessary and totally ridiculous. I must send them more information than any government agency I have ever dealt with and they seem to have more power than any government agency. I have a real id from my state and considering what I had to provide to get it the information from it should be enough for me to find out what they are reporting to others about me. There needs to be government oversight of this industry they are ruining lives with their dissemination of misinformation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
My previous complaint on this company was closed when you received their response. BSI Financial lied in their response letter. They have not paid the hazard insurance. I have provided a screen shot of the mortgage activity dated today. As you can see, BSI paid the county tax and city tax. No payment has been issued for the hazard insurance although I have sent them the bill twice. The hazard insurance is due on Friday, XX/XX/XXXX. At this point, I'm forced to pay the premium out of pocket to insurance the coverage does not lapse. This is unacceptable as this VA loan has an escrow account and BSI is not properly managing same by paying the bills on time. If I had not filed the previous CFPB complaint,, I'm convinced they also would not have paid the taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
I had my card lost and my wallet missing and I have filed for fraud and Bank of America denied it

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