vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit.

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 2020-04-19 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: WV

Complaint narrative:
TransUnion not helping when calling there customer service line and know help working with me when I try disputing inquiries thats on my credit report there fraudulent and like them removed off 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 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
In XX/XX/XXXX I changes my main checking account. I also changed the account on the Barclays card web site to draft the new bank account. Instead in XX/XX/XXXX Barlcays drafted the account i was in the process if closing. The results was but overdraw the account.

I called Barclays customer support in the day if the automatic bank draft who said they would reverse the charge and charge the proper bank account.

Well this never happened and I was charged an overdraft fee on my bank account and Barclays charged a late fee and interest. I told them I would not pay the late fee or interest at it was their fault it was late.

Bottom line is I have an XXXX credit score and have never had this issue before. I paid by balance in full but refused to pay the late fee or interest for reasons stated.

Now they keep more late charged on top of the other late charges.

Please help. 

Thanks. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20, i checked my bank of america account and it said i had a - {$450.00} chargeback. Another chargeback happened on XX/XX/20 but that time, it was - {$500.00}. i called check fraud services on XX/XX/20 and explained my case. they opened my claim. since then, i would call for an update but they would just say the same thing, that theyre working on the investigation. its been 30 days and ive had no update. the chargebacks were checks that have been cashed in a bank of america branch by a teller. its absurd how bank of america has treated this case lightly. ive never cashed a check in a bank of america branch ever. the other absurd thing is that it was easy for that fraudster to cash in from the branch. as of today, still no updates.

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 2020-04-19 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: CA

Complaint narrative:
I requested a credit balance refund check from CapitalOne on XX/XX/2020. I have not received my funds as of today, XX/XX/XXXX. The amount is {$6100.00} from my Venture credit card. 

After the check was returned to the company due to an address issue ( one that was not my fault ), I have called 20+ times to check on the status of my money. 

In almost each instance, the customer service reps suggested a different plan of action or just told me to wait. 

Now, my money hangs in the balance as a case investigator looks into where my money is. This is absolutely not acceptable as I need this money to pay my bills. 

In essence, CapitalOne has taken my money XXXX as it grinds through ineffective administration efforts. 

Absolutely shameful given current economic situation and financial difficulties consumers such as me are facing! I just want my rightful money back NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX a collection account, with a balance of {$4300.00}, was reported to the credit bureaus by Jefferson Capital Systems. The agency states that the account was opened on XXXX XX/XX/XXXX. Prior to XXXX of this year this company was not listed on my credit report and the XXXX date greatly diminished my rights to dispute this debt. I disputed the debt through XXXX  on XXXX XXXX and the bureau found that the debt does not go against FCRA although I have never received any documentation and the company is reporting the account as being opened on XXXX XX/XX/XXXX. Since XXXX XXXX I have received 135 robo-calls from this company, no voicemail was ever left and if you call the number back it's a recording. I have never consented to robo-calls and they have been non-stop. I have attached a copy of my credit report from XX/XX/XXXX showing that the account was not present previously as well as screenshots as well as screenshots of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On ( XX/XX/2020 ) I discovered ( negative credit item and account number ) had been re-inserted into my credit file, which was deleted by Experian 5 months ago. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Called Suntrust over 10 times including local branches. Wait times over 30 minutes and still only offered forebearance, no loan modification options despite repeated requests. 

Suntrust mainly offering forebearance at this time on the front line. 

I can't get in touch with anyone that can provide any other assistance. I have tried since XX/XX/2020 and have detailed list of each of my calls. 

Please 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 2020-04-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuse to dispute acct from XXXX XXXX XXXX ending in XXXX plus last 3 disputes took over 30 days with no reply from them. they also reuse to contact XXXX XXXX XXXX to correct error on acctt ending in XXXX i have talked to XXXX XXXX XXXX 5 times and they have confirmed they have contacted equifax to correct this but equifax refuse to correct data

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: PA

Complaint narrative:
They put this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
Was attending XXXX XXXX Ca in XXXX. I stopped attending in XXXX due to personal reasons. My campus was closed shortly after. Loans were still released to XXXX in XXXX and I'm stuck with the bill. I feel XXXX should be held responsible since they got the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: PA

Complaint narrative:
They need to get in contact with XXXX care. Cause I'm on it. So I don't understand why they have this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the XXXX of XXXX via Paypal I transferred money to my sister. I transferred twice since the first transaction was not recieved to her. The first time I transferred using her phone number the second time with email address. The second transaction with email went through fine was recieved to her. The first one using her phone number was not recieved on her Paypal. Though both transactions were taken out of my bank account. So I got charged both times. I don't know where the money using her phone number went if I was charged but doesn't appear on her PayPal. I had such a hard time transferring that I just opted to giving her cash. She was able to transfer me back the payment sent using her email. But not the one using her phone number. I am just so frustrated during this time with Covid 19. I can't afford to not knowing where the money that was taken out of my bank account is. If it's not in my sisters Paypal. I have never had a bad experience with Paypal til this. I want to be safe and open a complaint before it's to late since I have XXXX to be able to issue a cancelation or refund. I am working with my bank institution. But I was to get all the help I can to get my XXXX dollars that I don't know where they ended up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: IL

Complaint narrative:
XXXX XXXX XXXX contacted equifax to correct issue with incorrect info on credit reporting of acct ending in XXXX and equifax refuse to correct issue. they where contacted by XXXX XXXX at XXXX XXXX XXXX. she is a senior executive resolution specialist within the corporate office of XXXX. but the will not correct info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: IL

Complaint narrative:
I have mailed letter to equifax 5 times over 2 to 3 months to show under section 611 the method of validation on XXXX XXXX XXXX acct ending in XXXX the acct show validated but this is not correct. They will not respond to section 611 for request for method of validation. and have not contacted me on all letters in over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I called my mortgage servicing company on Monday, XXXX XXXX to see about options for the coronavirus situation. My household is down one income from two now, and most unemployment is being taken for child support so we are barely getting anything from that. The only thing they will do is defer payments for 90 days and then its all due, in my case {$4700.00}. If I dont have the income coming in, then I dont have anything to save up towards paying this huge lump sum in 90 days. As a XXXX Im always struggling anyways! Congress needs to do something to force mortgage companies to not do stuff like this. Tack it onto the end of the loan, that would be better than this! Millions are going to end up losing their homes! The worst day was when I was notified some years back that this company was taking over my mortgage. Ive lived in my home since I graduated from college at the age of XXXX. Im now XXXX. Since this company took my mortgage over, Ive had my payment amount just go up and up over the years. Ive had to work with them before on being unable to make payments as it is as as XXXX and now in this horrible time its going to be worse because they are offering no kind of relief, instead just a plan for failure because who is going to be able to pay thousands in a few months when their income isnt coming in!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX or the FedLoan Consolidation Department, sent me a letter stating I must urgently change my loan provider ( during a national pandemic ). They used words like due to Covid the current administration might get rid of student loan programs You must enroll now to be forgiven under the department of Education. This is false because they are charging an {$800.00} fee to be paid in 3 payments in order to join their program plus a {$39.00} a month fee for 240 months. This is a scam and should not be placed or forced on civil servants. The guy XXXX XXXX also told me I can contact him directly and the number is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Try to get a credit card and I have income. But they won't give me a chance. I thinks its unfair especially if you trying to get ahead on life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I XXXX XXXX and spouse suppose to got a stimulus check through the card we check the government web and they deposited the Funds on XX/XX/2020 we never received a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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

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

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 2020-04-19 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-19 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 — Investigation took more than 30 days
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 {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: VA

Complaint narrative:
There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX

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