vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}, {$0.00}, {$15000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I went to Huntington National Bank XX/XX/XXXX XXXXI intended to open a XXXX XXXX. That offers a XXXX $ bonus. They have very strict rules and hoops to jump through. I have done this twice before. With no problem. I also was given internal documents that I still met. Ive talked with XXXX XXXX several times in this bank. Now I was told not only by him but by a Vice President I did not get the name of that IT DOES NOT MATTER WHAT THE RULES AND REGULATIONS ARE, WHAT MATTERS IS THE SPIRIT OF THE OFFER. 
I always thought business is done in writing. I have a over 800 credit score. And at one time I had several hundred thousand dollars in this bank. I definitely feel XXXX  against. It tells you how long you have to wait after being a costumer, or your not eligible. I would like to submit these rules. I was given this number for the corporate office. XXXXVery disappointing they choose to not honor their own offersXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX. Please leave a message if no one answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
Contacted XXXX to figure out a way to settle previous debt of {$200.00}, talked with executive office whom told me they have a collection agency they use. The collection agency bill total amount is actually more the reported amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: AES/PHEAA
State: CT

Complaint narrative:
AES response to my dispute : " Initially, AES was authorized to apply a period of National Disaster Forbearance to your FFEL Stafford Loan from XX/XX/XXXX through XX/XX/XXXX. Following the forbearance period, monthly installments of {$59.00} resumed on XX/XX/XXXX, XXXX " -I 've been receiving bill statements since XX/XX/XXXX through XX/XX/XXXX ; therefore, there was no forbearance placed on this account during " XXXX '' as AES claims. I have documentations proving this ; they will be submitted. 

Government laws regarding this type of loan and how AES did not abide by it : " Today, the U.S. Department of Education ( Department ) announced an expansion of the pauseon federal student loan interest and collections to all defaulted loans in the Federal Family Education Loan ( FFEL ) Program. This action will help more than one million additional borrowers burdened by debt during the XXXX19 emergency. Today, the Department is announcing that it will expand the 0 % interest rate and pause of collections activity to XXXX XXXX borrowers who defaulted on a privately-held FFEL Program loan. This action will protect more than XXXX borrowers who were at risk of having their federal tax refunds seized to repay a defaulted loan. This relief will be made retroactive to XX/XX/XXXX, the start of the COVID-19 national emergency.

The Department will work to automatically return any tax refunds seized or wages garnished over the past year. Borrowers who made voluntary payments on any of these loans during the past year will have the option to request a refund of those amounts. The Department will also work with the guaranty agencies, who hold these defaulted FFEL Program loans, to implement the 0 % interest rate for these borrowers. 

In addition, any of these loans that went into default since XX/XX/XXXX, will be returned to good standing. The guaranty agencies that hold those loans will assign them to the Department and request that the credit bureaus remove the record of default. 

This action builds upon steps already taken by the Biden-XXXX  Administration to help federal student loan borrowers. Those steps include pausing student loan interest, repayment, and collections activity for tens of millions of borrowers with loans held by the Department through XXXX XXXX, XXXX. '' https : //www.ed.gov/news/press-releases/department-education-announces-expansion-covid-19-emergency-flexibilities-additional-federal-student-loans-default AES response : However, EFS recently authorized AES to apply a Disaster Forbearance to the loan from XX/XX/XXXX through XX/XX/XXXX. This adjustment was completed on XX/XX/XXXX. 

-WHO IS XXXX? WHAT DOES THAT STAND FOR? WHY WAS THIS JUST APPLIED ON XX/XX/XXXX WHEN IT WAS SUPPOSE TO GO INTO EFFECT ON XX/XX/XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My card has been blocked for a verification issue. Ive contacted Apple about this matter as soon as it happened and I keep getting told that someone would contact me via phone or email and no one has contacted me. I understand that things are a process but there no help were they keep telling me there is no time frame that they will call which means my card can be locked for such time. I need my card to be unlocked as soon as possible where this is very inconvenient and unprofessional where Apple is concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo claims that I owe them XXXX from the two deposits that were added to my account due to thier negligence. They somehow allowed to individuals to deposit thier Economic impact payments of XXXX to my account. They also allowed one if the individuals to also make XXXX  dollars in withdrawls from the account. 

Then claimed that I am a liability to the Wells Fargo Banks because I had made these two deposits. That is very much untrue because these deposit were both made in XXXX and during that time I was in XXXX XXXX Nevada and the way they became aware of the errors they allowed to happen only because I spotted a transaction for XXXX at XXXX that I know I did not make. 

Truthfully the largest liability in this situation in this situation to Wells Fargo is thier procedures which allowed two other people to accidentally deposit money into the wrong account. Then allowing these individuals to make payment from my account. That should have never occurred. Also a huge liability is the fact that this bank without researching further and this is clear due to Wells Fargo claiming I owe the XXXX. XXXX of which was definitely not touched and was then spent by the owner for them to say I still owe XXXX is absolutely absurd. The liability is Wells Fargo themselves and they are a huge liability to all those who trust them with thier money.

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 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
XX/XX/2021 I have savings, checking and business accounts at TCF bank in XXXX XXXX Michigan. For six months. My business account deposited a bad check from a client. The bank froze all three of my accounts without explanation for 2weeks. I received a letter within 10dayd to close the account. I have been trying to do so for three weeks. I have had this XXXX XXXX would not close my accounts, held my debit cards and driver license for 3hours without explanation. I demanded that I have my property return immediately. Why would you close a personal account for a business account situation. It is unprofessional experience don't have all three accounts at the same bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
This company has misappropriated my funds and refuses to make the necessary corrections. This company has made a ***false*** negative report to the credit bureaus. This mishandling of my payments is nothing short of pure incompetence as I have made the payments on the phone and with very detailed instructions on each call that I need the payments applied to my account properly. On each call I was assured this would be done, yet here we are well over a month after I tried to keep this VERY THING from happening as I'm fully aware of the incompetence this company seems to be allowed to operate with. 

XX/XX/2021 - XXXX ' mortgage payment made on time and in full ( misappropriated XXXX, no idea where the payment was applied to XX/XX/2021 - escrow shortage payment made on time and in full to a live representative ( misappropriated ), no idea where the payment was applied to. The escrow shortage is due to a property tax increase. 

XX/XX/2021 - XXXX ' mortgage payment made early and in full to a live representative ( misappropriated ), no idea where the payment was applied to. 

XX/XX/2021 - received a check from these people stating there was an overpayment for the escrow shortage. 

XX/XX/2021 - received a late notice letter stating I am late on payments and I owe XXXX to include a XXXX late fee. 

XX/XX/2021 - called in and spoke to XXXX id teller # XXXX at XXXX CST. I went over EVERY DETAIL of how I have called in to make payments over the phone in order to advise on where I need my payments to go so I could keep this very thing from happening. XXXX verified everything I have described in this complaint to be true and accurate and stated he would call me XX/XX/2021 when the corrections were made. No contact from this person ( SHOCKER ) so I am requesting a full investigation of this severely incompetent company ASAP. 

To be clear : I have no late payments at this time and I have NEVER made a payment late on this mortgage account and this was verified on the call with XXXX XXXX XX/XX/2021 ) at XXXX CST. Also verified on this live call that the payments are received and on time and in full yet no one knows where the money has been applied or why this is happening.

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 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report. I notice that Equifax is reporting a wrong address for me which is XXXX XXXX XXXX XXXX XXXX TX. I have no connection to this address or have lived here. My current address is XXXX XXXX XXXX XXXX  XXXX Florida XXXX which is currently reported as my former address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint is in regards to the BB & T account on my credit. In 2018, A family member of mine obtained my social security details and used it to purchase a XXXX XXXX and financed it through BB & T without my consent/ awareness. I decided to resolve this as a family issue and have him assume 100 % responsibility for the debt, but he has consistently failed to make payments and the account is currently delinquent. The bank has threatened to take me to court since my name is on the account as a primary holder. The car is in possession of the family member and neither the bank or myself know his whereabouts to retrieve the vehicle. In addition to this, I receive a notice of road violations every month from his driving around in Virginia, and have to pay because he managed to register the car with my name as well.

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 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$27000.00}, {$0.00}, {$4300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2021 I filed two unauthorized transactions reports totaling to XXXX.I was told my banco popular that it takes 10 working days to recieve the provisional credit and that both of my disputes qualify for the credit.After 10 working days on XXXX XXXX I called banco popular customer service and as speaking to a representative I was informed that the bank made an supposedly error when I filed my report and yesterday when the 10 day finished to give me my credit they said they fixed the problem and I have to wait another 10 working days which when including the weekend is almost 15 days ( half a month ) and that it is not guaranteed that they will give me a credit.This bank lies and does many illegal practices to there customers here in Puerto Rico all the time.Ive called over 50 times within the 1 year that I've had my bank account to complain about different illegal stuff the bank does and the horrible customer service representatives it has that argue curse and hang up on people.this is constantly happening and needs to be stopped.Please investigate this banks practicing and the horrible customer service agents they have who treat the customers badly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one flagged my account for fraud because I received a loan from the SBA. Im a sole proprietor and have been a private XXXX since XX/XX/2015. SBA says since my business is conducted in my name and SSN I can use a personal checking account. I also have an EIN number. Which Ive provided capital one with my ein, XXXX tax returns. Sba promissory note and 1099 for the last 3 years. They have froze not only my checking account but my savings account and will not give me a time frame of the on going investigation. Furthermore they have said they plan on giving sba back my funds but according to my bank account my funds came from a lender. Fraud department says they only thing I can do is leave a voicemail to a fictitious number or email in my documents which I have 4-5 different times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: NJ

Complaint narrative:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

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 2021-05-29 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: NJ

Complaint narrative:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: NJ

Complaint narrative:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

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