vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an life threatening injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i opened an account with suntrust bank. i was asked to make a deposit, which i made a deposit of XXXX . they took it no problem about a week later i go to use my card and it declined. i called the bank and they said it was closed due to fraud. they said i will get a check in the mail. so skip to today i notice my employer sent my direct deposit to the bank of XXXX called the bank and they said its not closed it pending closure. which mean money can go in but no money can go out. they said once my account has no activity for 5 days they will then close the account they then take 15 days to close it and another 15 to send me a check. this is crazy we are in the middle of a pandemic and they want to hold people money for so long. any other bank would have told me up front that i couldn't open an account. and they will not tell me the fraudulent reason, which I never did any 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 non-monetary relief
Consumer complaint received 2020-11-11 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: CA

Complaint narrative:
Thank you for taking time to read this. The total amount charged was {$11000.00} in XXXX of XXXX. The online travel agency XXXX was supposed to provide a discount to which it did not so we initially disputed the discount amount of XXXX  XXXX. Due to the pandemic, XXXX went out of business in XXXX of XXXX without providing a service nor refunding that amount. Now we are trying to recover the {$11000.00} but because of the initial dispute for a smaller amount Discover wont dispute it nor provide us with credit even though more than a hundred pages of evidence supported the refund. Discover has even agreed that I should be refunded this amount but has not done so. It is un fair to be out nearly {$12000.00} for something that we couldnt control. It has been almost a year. Please help our family CFBP. Thank you kindly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
I found this debt under the name of Receivables Management on behalf of XXXX XXXX on my credit report. I disputed through the credit bureaus this debt because I had not received any information from Receivables Management about the collection items and there was dispute with XXXX XXXX about how they had billed the insurance initially. Receivables Management responded that the debt was valid and did send me information in the mail about the debt. This dispute was filed approximately 90 days ago. 

I am now in the process of obtaining a mortgage loan and would like to resolve this debt and contacted Receivables Management on XX/XX/20 and spoke to one of their front line collections agents. They stated to me that because I had disputed the debt, they were not able to assist me and I would have to speak to their supervisor line to resolve the issue. I called back using the number provided and immediately had to leave a voicemail. The voicemail stated that I would receive a phone call in 24 to 48 hours. Since they did not specify business hours, I waited until Tuesday XX/XX/20 to follow up and called back and had to leave another message. After not receiving a call, I called back on XXXX/XXXX/20, and again, had to leave another message. I called and spoke with another frontline collections agent, who again told me they could not help me, but would try to get a supervisor. All they did was transfer me again to the voicemail for the supervisor line. 

I am attempting in good faith to resolve these items. I am want to pay them and I want them removed from my credit bureau report, but the company is making it difficult to do that. They are creating an unfair situation that is having a negative impact to my credit score. This could be seen as a violation of the Fair Debt Collection Practices Act. They are penalizing my ability to pay this debt solely because I disputed the debt initially and that is per their collection agent 's statement.

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

Complaint narrative:
Ive reached out to this company several of times in regards to unauthorized inquiries on my credit report, in which Ive reached out to the creditors and have been told that they dont have any records of me in their systems and to reach out to the reporting bureau. Transunion has been a headache and causing great pain in resolving this issue. Ive reached out to XXXX  and XXXX  about these same inquiries and they disputed/removed the unauthorized inquiries. Im not understanding why Ive been through so much pain  and stress with Transunion to do the same. Ive been told by several of representatives to file a false police report, which is a crime in my state and Ive expressed this with them. I need these items to be removed, otherwise I will seek further legal actions and will be reaching out to local media.

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM THE VICTIM OF IDENTITY THEFT.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I am refinancing my mortgage with Loan Depot and closed on XXXX/XXXX/2020. The closing/title company is CLOSINGUSA. I was told that my loan will be funded by XX/XX/XXXX2020 and that's why I had to pay the per diem interest to my current lender until XXXX/XXXX/2020. However in the XXXX statement the cash to close was higher than what was in the closing disclosure by {$300.00}. I was told this was because they had calculated the payoff amount until XX/XX/XXXX2020 according to the payoff statement provided by my current lender ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and that I would be refunded for the XXXX extra days of per diem interest after loan is transferred, as my loan would be paid off by XXXX/XXXX/2020. As of today XX/XX/XXXX2020 my loan has not be paid off by the CLOSINGUSA/LOANDEPOT. I have followed up several times with LoanDepot XXXX XXXX XXXX and XXXX XXXX XXXX and keep getting different excuses. They sound helpful and courteous but are unable to resolve the issue. For the last week or so, every time I call them they keep telling my that the wire transfer was made or will be made 'today ' but I never get the tracking information or a confirmation from them. In my email communication ( dated XX/XX/XXXX2020 XXXX, I did however get a confirmation from XXXX that they will honor the XX/XX/XXXX closing date XX/XX/XXXX2020 funding date, but I am yet to receive the wire transfer confirmation. I was also told that I will be receiving a supplemental wire transfer for the per diem interest but they don't have my bank information, so I don't trust that information is correct either. 

I have reached out to the title/closing company as well, but have not received any response or call back. 

I will end up having to pay the mortgage for the month of XXXX to my current lender and am afraid, that due to the delay in payoff by the closing company, end up paying extra for the per diem interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the accounts listed ( XXXX XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX  XXXX  XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX  injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help

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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX phished an email disguised as the title company I was using. The real escrow account and information is different than what this scammer submit, and me thinking the email was legit wire instructions. They knew when I was closing and to send closing emails.

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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
On XX/XX/2020 I received a call at XXXX. The caller asked to confirm my identity then stated that they were trying to get a message to my sister. The caller introduced themselves as XXXX calling from Covington Credit. She wanted me to let my sister know they were trying to reach her. I initially took the information to pass it along, but did a quick XXXX search to confirm if it was a scam or debt collector. I immediately found out is was a loan company, and the first review I read stated, " if you are late AT ALL they will call any family member of yours that they can and harass them. '' That business practice is unacceptable. My sister 's personal business is for her alone and not anyone else 's business. By calling me on my personal cell phone during work hours they wasted my time and disclosed information that should have been kept private between their company and my sister. I also found out that they had also contacted our father and disclosed information to him, including an estimate of the amount she owes. In talking with them he was even told the monthly payment and he told me he sent a check. This company should be fined for disclosing this information and if they cash a payment from a family member they should be shut down. I tried to reason with the manager that what they were doing is wrong, but she was very rude and condescending. If you are going to interrupt my day with something that is not even my financial business then you need to be ready to give a thorough explanation in a respectful manner. I'm sure this manager would not appreciate me harassing her family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XX/XX/2020, I opened an online checking account with SunTrust. They approved the account and provided an account number. I changed my government retired direct deposit and funded the account with another bank account. I attempted to sign into the account on XXXX XXXX. The error notice said the account was locked. I called SunTrust and they said their " loss prevention '' dept is going to close the account for an undisclosed reason. No notification to me of this was made. If there had been a problem, they never should have opened the account in the first place. I had to reverse the direct deposit and the banking transaction. I probably have about 4 hours total with this bank rodeo and then I'm treated in this way. There is nothing in my background to warrant closing the account. My credit score is about 850, no debt, no criminal, nothing ( retired XXXX XXXX XXXX  ). SunTrust should trust their customers a little more and inform them, even when they make irrational decisions.

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 2020-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I am called every morning before at XXXX XXXX. Just this week alone, I was called at XXXX XXXX on Sunday, XXXX XXXX on Monday and XXXX XXXX Tuesday. This has happened every day for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX ran a LexisNexis Credit report on me in XXXX of 2020. This was done without my knowledge or consent the letter from XXXX XXXX XXXX states : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX NY Notices XXXX XXXX XXXX, XXXX, NC XXXX. It was a very strange letter. I can provide it if needed. 
The letter stated to contact XXXX XXXX or LexisNexis for a Free Copy of the credit report. Neither would give me a copy. 
The letter stated to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both XXXX and Lexis Nexis. XXXX XXXX Financial Services Examiner 3 at the XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX } responded back approximately 6 months later stating they have no authority over credit related matters. XXXX XXXX said he closed my case ; he gave no advise.

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

Complaint narrative:
the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation