vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION
State: MN

Complaint narrative:
Please be advised that all information must be 100 percent accurate be at advises MInnesota attorney General office will he notify about you reporting as early as Monday morning thank you for your full Cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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:
My Checking account with Bank of America was compromised on XX/XX/ and XX/XX/2020. Someone hacked into my account and sent themselves money through " XXXX. '' I did not authorize this transaction for {$3400.00} to be sent to someone I don't know. I filed a claim with Bank of America, and it was denied because supposedly someone had to have authorized the transaction through my phone. They also tried to send themselves money through XXXX, luckily I caught it in time and Bank of America froze my account and stopped that transaction. My money is supposed to be protected through my bank whom I should trust, but I feel violated and angry that my bank is not issuing me back money that was stolen from me. I have also filed a police report to help solve this.

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: AR

Complaint narrative:
Received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX dated XX/XX/XXXX stating that I was responsible for a medical debt of {$380.00} for a patient whom I have no knowledge of and with a medical group I was unfamiliar with. On at XXXX XXXX  CST XX/XX/XXXX I called XXXX and spoke to XXXX XXXX, disputing the debt. He indicated that the debt had been recalled the previous day and they were no longer attempting to collect. I asked to speak to a supervisor and was referred to XXXX XXXX who indicated the matter was no longer active and that they would update with credit bureaus. Suspecting fraud I asked for and was given a number for patient advocacy XXXX ( XXXX ) XXXX. No one answered. I received a recording and opted not to leave a call back number because I didnt want a collector on a bogus debt to have my phone number. 

I then received a letter from Capio Partners dated XX/XX/XXXX to collect the same bogus debt. Interestingly, the XXXX XXXX  and the Capio Partners letters showed the same return address of XXXX XXXX XXXX, XXXX, CA. XXXX. The correspondence from both also listed an address on XXXX XXXX in XXXX, TX. 

I sent Capio Partners a letter certified mail return receipt dated XX/XX/XXXX disputing the validity of the debt entirely and requesting written verification of the debt. 

In a letter dated XX/XX/XXXX Capio Partners send a copy of a purported medical bill from original creditor XXXX XXXX   XXXX XXXX, XXXX. The statement was addressed to an address I have never resided or been to in XXXX, GA. I have not been in or around XXXX in over 5 years. I have no friends, relatives, associates living there and not even aware of any acquaintances living there. This correspondence did include personal information that demonstrates that this debt has been fraudulently created through identity theft. 

I am actively disputing this debt with Capio Partners and credit bureaus and am exploring reporting this matter to local law enforcement, the FTC, and my state AG, as well as the AG of Georgia and Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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: PA

Complaint narrative:
The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX  XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

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 2020-03-20 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: PA

Complaint narrative:
The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

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 2020-03-20 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: ONLINE Information Services, Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
XXXX ran a hard inquiry on my credit without my consent on XX/XX/2020 I called them to ask them why did they run a credit check on me they said they cant give me that information. I asked them if the can remove it being that I didn't authorize it and they said they don't remove inquiries, they told me to contact the credit bureaus and dispute it. XXXX  told me to file a report with identitytheft.gov. 

One Main Financial ran a hard inquiry on me on XX/XX/2020 without my authorization and they told me the same thing XXXX did. That they cant remove it even though i didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I paid the annual fee on my credit card on XX/XX/2020. A little over a month later the bamnk decided it was going to close my card with no reason given. The account has remained in good standing with no negatives, nor has any negative information appeared on my credit reports. I would like my annual fee back. I contacted the bank asking for a refund for the annual fee and they mailed a letter declining my request

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 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: WA

Complaint narrative:
I have currently been on hold for 1.5 hours trying to pay my bill. I spent the first hour on hold then when someone did answer they said they could not help me but harassed me about contact information for my account which has a Do Not Contact on it which the company continues to violate with mail and emails. I spoke with a supervisor who only just transferred me to another department. Still on hold as I write this. A more convenient way to pay my bill is all I am asking. The customer service reps are rude and the hold times are long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I logged into my account online. I saw that my payment due and was more than it should be. It was {$26.00} more than it should have been. I paid on XX/XX/XXXX, which I thought was for the XXXX and XXXX billing cycle. I thought that was including the {$26.00} that was due for XXXX. I received an email on XX/XX/XXXX stating I was 2 months behind on my payment. I called in to see what was going on because I knew I was going to need to make another payment the week of XX/XX/XXXX for the month of XXXX. After speaking with a manager he instructed me that I was 32 days past due and would be receiving a 30 day late on my credit report. He informed me the {$26.00} was a late fee for XXXX and that had I paid my payment in XXXX  1 day later the {$26.00} due for XXXX would have been included in my payment. I explained I had a good history with making on time payments, I have never been late on either of the two accounts that I have with them. I told him the impact that was going to have on my credit and that I needed it taken off. Because of that late payment my credit score dropped 93 points and is going to put me in a bad situation with some loans that I need to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX XXXX XXXX XXXX - Same thing - With XXXX Southwest Recoverys {$890.00} Says it is in Collections With XXXX  XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely 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 2020-03-20 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: Pioneer Capital Solutions Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX  XXXX XXXX XXXX - Same thing - With XXXX  XXXX XXXX {$890.00} Says it is in Collections With XXXX  Pioneer Capitol Sol -  {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This case involves Bank of America prematurely closing my long and excellent standing credit card in XX/XX/XXXX. This card was used for most of my financial needs and left me with a Hardship In XX/XX/XXXX I was a victim of Fraud and Identity Theft, I discovered that my t former girlfriend stole approximately {$110.00} Thousand dollars from my 2 Bank Accounts. She was threatened with arrest but agreed to make good on paying the money. She was making payments until XX/XX/XXXX. I then took steps to take action by filing a report with the FTC, US Secret Service and Bank Fraud Affidavits. 
While going through this process I received an Email and then a Letter in XX/XX/XXXX, informing me that they were closing my account. At the time my account was in Good Standing was a credit of approximately {$900.00}. When I called the Bank to inquire they never stated a reason but advised to reapply and a letter would be mailed stating the reasons. Upon receiving the letter outlining the reasons, I responded and disputed their reasons in a letter dated XX/XX/XXXX. 
To date Bank Of America have yet to respond and my account remain 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 2020-03-20 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: NC

Complaint narrative:
I was denied from buying a new car today XX/XX/2020 because when they ran my credit, I was told that there were four accounts with negative payment history appearing on my credit. I looked through my credit report myself and I saw those four accounts and none of them are mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I have no idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report. I did not get anything out of those accounts such as money, services, goods or anything else nor did I ever make any payments towards any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: AK

Complaint narrative:
savit XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX ( XXXX ) XXXX Claims of non payment but bill was paid under XXXX and XXXX XXXX XXXX XXXX NJ Charity Care Program.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a payment to PNC Credit Card on XX/XX/20 in the amount of {$2500.00}. The payment posted XX/XX/XXXX. The funds cleared my XXXX checking account on XX/XX/20. PNC has now advised that despite those funds clearing my XXXX checking account - they will not give me the available credit because I do not bank with PNC. It seems that PNC 's policy is disparate in nature because I do not have a PNC checking or savings account with their institution. 
My larger question is how you can place a hold on an account when the funds have cleared my checking account? 

They also explained that each time I make a payment - this will continue to occur. This policy is discriminatory and predatory as it seems I must open a checking account in order to get credited timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-03-20 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Today XX/XX/20 I get a statement from citizens one bank and it showed a balance of {$800.00} ( 2 months payment ) Ive been making payments on time and Im trying to figure out why it is showing 2 months payment due and one being late? I was able to review the last few payment from my deposit account and the last one XX/XX/20 payment was made for XXXX and a payment around XX/XX/20 for XXXX. My payments are due on the XX/XX/XXXX of each month, so Im not understanding why it is showing late. I called today and say on hold for OVER 45 minutes for someone to pick up the line and hang up. I figured maybe if I report my issue Ill get a answer to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was recently informed that I had been placed in collections due to medical debt by the credit bureaus. I had no knowledge of this account or this debt, nor any communication from the debt collectors in attempt to collect a debt prior to this effecting my credit. When I called the company to inquire about the collection they addressed me by two incorrect names before asking me what my name was. When I asked what the medical debt was for, they couldnt give me any info due to HIPPA laws therefore I was unable to verify the accuracy of the ownnership of this account. They did however tell me the debt originated from a hospital visit. I just had a baby in XX/XX/XXXX, and had no prior balance due to the hospital at this time. I was told by Commonwealth financial the debt is from XX/XX/XXXX and was being reopened due to unsuccessful attempts from the previous debt collector. However if I had a precious debt owed to the hospital they would have informed me at the time I was pre-registering and I would have been asked to pay the debt or at least been made aware of it. I had to pay up front for my XXXX XXXX XXXX care as a cash paying patient, ( no medical insurance ) prior to me XXXX XXXX there I as part of the hospital and attending physicians policies. I do think it is unfortunate my credit was hit without any prior knowledge of debt, and before I was able to verify this account is accurate.

Company response to consumer: Closed with explanation