vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring company that a collection amount of {$2900.00} had posted to my credit from Sunrise Services Collection company on behalf of XXXX XXXX XXXX XXXX. Upon investigation, I learned that an XXXX XXXX XXXX XXXX affiliate had opened a cell phone account with equipment using my stolen Social Security number. During the new account set up process, the XXXX XXXX XXXX XXXX affiliate did not take a copy of the suspect 's identification nor did the affiliate run a credit check. Had the XXXX XXXX XXXX XXXX affiliate run a credit check using my stolen SSN, the new account would have been denied because I have had " locks '' placed on all of the credit companies for the past several years. 
XXXX XXXX XXXX XXXX has admitted that this account was set up fraudulently but in the meantime, my very high credit scores have plummeted, I have had to spend 20+ hours to date working to fix my credit reports, have had to file a police report and report with the FTC and am concerned about how long it will take to remove this fraudulent information from my credit. 
The fact that XXXX XXXX XXXX XXXX allows its affiliates to engage in these unethical practices involving opening new accounts is astounding and I believe needs to be investigated. I was completely unaware that this fraudulent account was opened two years until this week, when I was informed that XXXX XXXX XXXX had authorized Sunrise Services to place a collection notice on my credit. The suspect used my SSN but used a fake address ( not my address but in fact a business address ) and since I am a customer of XXXX XXXX XXXX, with a land line that I have had for XXXX years and have always paid on time, the account should have been checked against any existing accounts. I was never notified in the past two years ( the account was opened in XX/XX/XXXX ) that the account was in arrears because the suspect did not provide the affiliate with my correct address, phone and email. So after two years of an unpaid balance, my credit was compromised by a collection amount for an account that I did not know existed. If XXXX XXXX XXXX XXXX is not taking the necessary steps to check identify in an attempt to simply generate more revenue, their practices should be investigated.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Convergent Outsourcing notified me of a debt that had from XXXX in the amount of {$1200.00}. I called them on XX/XX/2020 to try to settle the debt with them. I told them I had {$700.00} to pay and they said the settlement amount they could take was {$810.00} which I agreed to. I paid {$700.00} electronically that moment then scheduled a payment for the {$11000.00} for XX/XX/XXXX. I have email confirmations of both payments and records of the payments out of my checking. On XX/XX/XXXX they reported to the credit bureaus that I owed them {$550.00} still and reflected this in their system. I called them on XXXX to confirm payments went through and debt was settled. I got confirmation over the phone and requested an email showing that. Never received it. On XX/XX/XXXX they again reported to the credit bureaus that I owed {$440.00} and again I called them on XX/XX/XXXX. Again got confirmation this was being fixed and documentation sent out. I have yet to receive anything from them. I called once again on XX/XX/XXXX and said they couldn't find my account then told me they handled XXXX XXXX XXXX customers not XXXX. I have been trying to buy a house and this caused me to lose my offer on a property. I don't know how to get this fixed at this point.

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 2020-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I am a victim of fraud. On XX/XX/2020, someone accessed my Cash App account without my knowledge or consent. They sent funds from my account to another Cash App account " XXXX   XXXX '' at XXXX XXXX in the amount of {$1500.00}. This was my entire balance. I do not know the account owner " XXXX   XXXX ''. I have never sent funds or recived funds from this account holder. I requested a refund from the account holder, however, the account user did not respond. Cash App has a phone number, however, it states representatives are unavailable. I sent an email to Cash App but did not receive a response. I canceled my Cash App card and have a new account but have yet to receive my balance back from Cash App. It is very difficult to contact anyone at Cash App. 

I attach hereto, a copy of my Federal Trade Commission IdentityTheft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XXXX - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I just want to link my account to the XXXX investment app to help manage finances and save money. The app says the bank has changed rules to not allow my request to be put through and won't let me link the account through the app via XXXX I just would like to authorize it and hope the bank changes it policy or allows my personal consent for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC is restricting me from transferring funds into my XXXX App.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-07-09 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AK

Complaint narrative:
I call the company convergentusa on XX/XX/XXXX to paid my account whit   XXXX, and the real balance was {$620.00} and the company give me opportunities to paid this account for {$250.00} I pay the account for that amount but they process twice the payment for {$250.00}. and I call them I spoke whit XXXX XXXX for this issue but they never give me my money back and every day I call they give me a excuse and never return my 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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " Fox Collection Center '' in the amount of {$140.00}. I check my credit report every day and this has not been on here but yet XXXX  has it listed as XX/XX/2019 and I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately! Delete, cease and desist any further communications due to violation of rights and NOT properly notifying me of any debt or any intentions to place anything on my credit which is a federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-09 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: JPMORGAN CHASE & CO.
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. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened up a suntrust account on XX/XX/XXXX online and was granted a checking and savings account. Then on the following day when I tried to access my account through the suntrust mobile app I was denied access to my account. I soon contacted customer service to find out the problem and was told that my account was closed and that they couldnt give me a reason why.

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 2020-07-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax deleted XXXX XXXX  with account balance of {$2000.00} on my credit report then added it back. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax  as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX  and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and I wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points  higher with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Using XXXX  to connect my PNC Account to my XXXX account, It Will NOT work for me. It goes through all the steps but at the last one, verifying my mobile number, it says PNC has made changes to stop the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession. 

I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, Wells Fargo emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from Wells Fargo about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX  and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with Wells Fargo, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is Wells Fargo 's responsibility to report my credit card information.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with TransUnion and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted TransUnion, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.

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