vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.

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 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
My HIPPA rights have been violated and I have not received any documentation from this agency regarding this account from Miramed Revenue Group. They are reporting on my credit report a balance of {$110.00} and due to Covid-19 I can not afford to pay this bill or any others that I am not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NM

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-06-12 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As a Veteran and new mother I use apps that allow me to borrow money when needed for main necessities for my newborn daughter. PNC has changed their policies blocking and preventing me to use apps such as XXXX and XXXX that allow me to borrow money in emergency needs. This is not how banks should operate. PNC NEVER offered me any loans or credit in order to suffice to my emergent needs! If banking systems continue to do this I will be forced to withdraw all of my deposits made by the Department of Veterans Affairs and purchase short term bonds from the Department of Treasury so that my needs of having extra income. Because I am a XXXX Veteran I find that the banking institutions should and will no longer be able to use my money in advance to loan it to other customers!! If this continues I will request the VA to send my money to a separate account such as XXXX XXXX or XXXX because these corporations know how to treat me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
2nd request. Errors on my report not rectified, please see attach ID and ss card per your request. AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this is my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I have a cash app account that was for unemployment I got paid my back pay no problem it was over XXXX well then they tried to put that same amount in my account but took it back then I had my sister in law send me XXXX she owed me and my unemployment got out on it well then they closed my account wont let me get my funds I have XXXX in the account I have emailed them and done everything they will not give me my money and I need it I am a mom of XXXX and have tried to do every thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
The company midwest recovery XXXX is reporting inaccurate information on my credit report and states that I owe a balance of {$110.00}. I have never received a notification from the merchant and this negative item is hurting my credit score. My Hippa rights have been violated and due to Covid-19 and my medical condition I'm on XXXX and can not afford to pay for items that not valid and are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened an account with Synchrony Bank for a Amazon Prime Store Card. I received the card and I for most of my account history have made my payments on time. This bank has a rewards program and from day one my rewards were never disbursed especially since all of my purchases were with Amazon. I also noticed that my balances after I made a payment would display in a negative status. I have called them on several occasions and they would tell me that their system has issues and to be patient it will clear up in a couple of days. My bank did not honor 2 payments to Synchrony, however on the 3rd payment it was honored. Once I found out, I immediately called Synchrony and explained what happened and setup payment right away. So now my card has been closed based on these two incidents and I did not receive a letter, I found out from a credit report alert that my score was decreased substantially. Then I called Synchrony and asked how to send payment to them, they said I could call in with my info or mail a check. I asked that I regain account access to pay the account off because I needed to make sure that they would not send my account to collection. It took 3 phone calls to get my account corrected. I have logged in and scheduled payment. I feel that I was not given any opportunity to make things right, the two incidents that occurred were unfortunate mishaps beyond my control and I made my best effort in resolving. All the payments I have made to this account were always above the minimal amount due, way about by hundreds of dollars. I know that my account was not serviced correctly and I did not receive the proper update for payments made nor did I receive the rewards that I was entitled to as a regular user of Amazon.

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
this is my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my account with XXXX and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called twice to Capital One on the night of XX/XX/2020 to have my credit card unrestricted. The card has been paid off in full since XX/XX/2020. Two agents advised it was unrestricted each time I spoke to each agent. Using the card on XXXX the same night, I received messages the payment failed. I attempted again this morning, XX/XX/2020. The same results. I called to Capital One tonight at XXXX XXXX and spoke to two agents. I was told by the first agent that I had missed XXXX 's payment ( paid XX/XX/2020 ) and that my card can not be unrestricted and I should apply for a new credit card. I asked for a manager. XXXX, identified herself as an Escalation Manager, reiterated that my card can not be unrestricted due to a 4 day late payment in XX/XX/2020 ( she found the payment although the other agent did not ) and ( despite Capital One charging a late fee plus I paid my card off in full almost two months ). The card is active, paid off in full, the company has not cancelled the card, yet I am told it will not be unrestricted for use. So I have an active credit card, paid off, account not closed, yet the company will not un-restrict it for use. XXXX could not give a reason at all of how this happens to be so, nor could she offer or direct me to information from the company notifying a customer of this alleged policy. I have asked for an escalation of my account. I told the representative she must be misinforming me as I can not see the logic in a company having a consumer who has paid off and brought the card up to date, and will not un-restrict the card for the consumer to use, which is a benefit also to the company. Just does not make any sense. 
I wish to have this matter fully investigated and Capital One provide proof of this type of policy of the Company and any reason why this may be logical business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( Owned by Merrill Lynch Bank of America ) and XXXX XXXX ( Director Division Manager ) were notified that there was an error in their system that caused my Market Order Buy Trade from my XXXX account not to be executed. And because of this error and the reasoning of that error ( their system doesn't allow you to trade a Market Order if its 95 % percent of your account ) is something that I as the customer was never informed of when I opened the account or was in there terms of service that I signed. For this reasoning, I asked they retroactive my limit order to later get my trade in of XXXX  ( XXXX  ) @ {$37.00} to be changed to the time that the market order would of been executed @ {$36.00}. However, they weren't willing to change this. XXXX send me the terms of service and pointed out paragraph 9 as his reasoning. In Paragraph 9 it says basically, " The customer is responsible for all their trades ''. I told him this paragraph includes nothing about 95 % limit of account to execute a market order at all. So I didn't agree to that term and he must change it. Second, " I'm not responsible for their flawed system. '' XXXX and XXXX XXXX XXXX decided to suddenly close my account and not allow me to sell or buy equities. This lead me to have to rush and open new account and have to deal with this issue all day. Taking away my mental and financial focus on my trading. I was planning to make a trade of XXXX when it reached the break even point of {$41.00}. However, if my market order was executed my break even point was {$40.00}. The Stock never reached {$41.00} but reached {$40.00} several times. So I was forced by XXXX and his teams actions, to hold on in hope it would reach {$41.00} the next day. Also, I had no idea if I could sell it the next day. The next day the stock and my account dropped {$3000.00} dollars in value. This cause me to have XXXX  XXXX  and extreme Financial fear. This emotional damage caused by XXXX XXXX and XXXX XXXX closing my account and not retroacting my trade is beyond unlawful and unethical. They need to be held accountable for their actions and the predatory practices. CFBP, I request you investigate and fine them if you find they go agains CFPB laws and regulations. Also, that I be compensated for my financial and emotional damages.

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 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: VA

Complaint narrative:
The collection agency is reporting inaccurate information on my credit report and it is damaging my score and causing great harm. I have never received any information from this company regarding the debt and my HIPPA rights have been violated. I am currently not working due to COVID-19 and due to a previous medical condition I am on XXXX. This company states that I owe them {$1100.00} for an account that was closed on XX/XX/2016. I have no other information and can not afford to pay a balance living off of the government stimulus and 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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had signed up for a Wells Fargo checking about in early XXXX ( I believe it was XX/XX/2020 ) on a promotion that offered {$400.00} for opening a new account and having {$4000.00} worth of direct deposits made into the account within 3 months. I had met the deposit requirement a few weeks ago and was waiting for the bonus to be applied into my account. When I went onto my account today ( XX/XX/2020 ) it informed me that my account had been closed. I went through my email and Wells Fargo message center to see if there was any explanation to this and found nothing but an email and a message on Wells Fargo ( the only message they have ever sent on the messaging center ) stating the account had been closed on XX/XX/2020. I had called Wells Fargo customer server to inquire about this and was questioned if I was the one who closed the account and was told that there must have been some type of contact as to why the account was closed ( no emails or messages were sent prior to the account closing and the representative also questioned me multiple times regarding if it was me who closed the account ). She then proceeded to argue that the promotion was not as I said and it was actually {$3000.00} in direct deposits per month for 3 months. I had attempted to inform them that that was not the promotion and that I did not receive any communication regarding the account closing and that I did not close it. They continued to argue with me and tell me that I was incorrect and that they did not have a reason as to why my account was closed. The only thing they could say was to go into a banking location and discuss this with them. 

I feel scammed and I do not think it was a coincidence that my account was closed right at the 3 month mark ( opened on XX/XX/2020-closed on XX/XX/2020 ) that would qualifying me for the {$400.00} bonus. I still have no explanation as to why the account was closed and was offerEd no assistance from Wells Fargo. They were very rude and not concerned at all with the fact that they could not explain why my account was closed and argued with me regarding the terms of the account being closed. The account was active and was set to receive the direct deposits from my paycheck. I am supposed to be getting paid tomorrow ( XX/XX/2020 ) but I am now not going to receive my check because my account was closed. I do not know how long it will take for my work to send it to a different account but I know that I will now not only be out the {$400.00} promotion offered to me but also not able to access my money because it is being deposited into an account that is unexplainably closed.

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 2020-06-12 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: EOS Holdings, Inc.
State: CT

Complaint narrative:
I already reached out to the credit bureaus and EOS CCA and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Above named Portfolio Recovery purchased XXXX  account and continued to harass me after I told them many times - this debt did n`t belong to me. 

XXXX XXXX filed lawsuit against me on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Case NO XXXX XXXX Account was previously owned by XXXX. 
XX/XX/2020 I received a letter from XXXX  that the account was fraudulent and decided in MY FAVOR that I don`t owe THIS debt. 
I am requesting that Portfolio Recovery Associates removes the summons from the XXXX XXXX XXXX XXXX. 
I am requesting a letter of apology and that the collection account is CLOSED,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AES/PHEAA
State: GA

Complaint narrative:
FED LOAN SERV {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. Fed Loan offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

Company response to consumer: Closed with non-monetary relief