vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # 1 ) was linked to make the inbound deposit A second bank account ( act # 2 ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # 2 ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive XXXX hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} XXXX XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called Capital One about transferring money from my checking account to an account in XXXX. The representative was very helpful at first, guiding me to the proper link on the bank 's website. It clearly stated that international transfers were permitted for a {$30.00} fee. As I was about to hang-up, the representative said that something " had just come up on her screen '' saying that I was prohibited from making ANY international transfers. I informed her that the website said that I could. Her response, again, was that this information " just appeared. '' I told her that this was suspicious and too convenient. When I asked her why I couldn't, she informed me that she'd have to transfer me to another department and the hold time would be long. I don't have time to be on hold all afternoon. I have NEVER had an issue transferring money overseas in the past. Even if Capital One has the right to deny the transfer, they have an ethical obligation to inform me as to the reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received several emails from XXXX XXXX XXXX stating that I had ordered a mobile device a Red XXXX XXXX XXXX Gb that was apparently ordered on XX/XX/2020 I thought it was a scam and I deleted them. My daughter called and told me she was a victim of a possible data breach on her credit. I checked my credit report and found that there was in inquiry for XXXX XXXX XXXX on XX/XX/2020 I immediately disputed the inquiry and called XXXX XXXX XXXX since the phone was in the process of being delivered they cancelled the order. I immediately joined XXXX to monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: NJ

Complaint narrative:
I received a credit report dated XX/XX/2020 with confirmation number XXXX. On this reports the information supplied was in reference to a dispute. Equifax returned the report showing the former address removed. The Issue is on my digital report I have confirmed by using to services still show this information on my Equifax credit report. have been working to have information on my credit report to report accurately. Please find the attached information, a copy supplied to me by Equifax that shows the information in question deleted on the report supplied. The information is still published on my credit reported and would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) XXXX {$760.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX  XXXX  XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX  XXXX  XXXX  account is. I have never signed an agreement with XXXX/XXXX  XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
A fraudulent purchase was made on my Target XXXX. Someone posing as XXXX got access to our computer.The phone number was the XXXX #. The man calling had an XXXX accent, just like many of the tech 's at XXXX, and you could hear other operators in the background.They said there was something wrong with the wi.fi and security with it. I don't understand all things about a computer. They wanted the wi-fi password. I do not know it to this day. They said the computer was compromised.Target happened to be sending on-line credit card statements to me even though I have always wanted paper statements only.The hacker asked for passwords to that acct. and a couple others. I didn't know the passwords.They said it didn't matter, it would just take longer and be harder to get access. The man was reciting e-mails to me and the screens were flying by. I was getting scared and angry.I called my sons and they said to shut down the computer. The hackers had control and I couldn't scroll or do anything. My son said to unplug it, so I did. During that time they bought a {$200.00} gift card.I don't like to pay bills on-line or do on-line banking. Only in an emergency, like when I had XXXX and couldn't get around.. At the time I didn't know the security protection had lapsed. Mainly the malware protection.I called Target and other institutions immediately and had acct.s frozen. Target was the one to tell me to call the 3 credit bureaus, which I did. The next day the man called, my son answered the phone and the man said his name was XXXX.He told my son he wanted to talk to me because he wasn't finished. My son hung up. We got a few more calls from XXXX. I did call XXXX on the XXXX and they said they did not call us, and didn't offer any advice or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I have submitted at least 2 disputes against Convergent Outsourcing regarding a disputed XXXX bill from over 12 years ago. XXXX  hasnt done anything to make them prove the dates are accurate. Convergent keeps changing the date of the claim to a new date every 2 years. But I have called them and told them this was a fraudulent process and I asked them to send me a copy of the contract for the " new '' service they say I signed in 2017, they can not produce that signed contract. This is fraud and has negatively affected my credit for over a decade. I want them held accountable. The reason I cancelled service in the first place is because they couldnt provide service to my house even after installing boosters. 

Here 's the info on the claim : Debtor : Convergent Outsourcing ( XXXX Phone Bill ) Date Open XX/XX/2017 Absolutely False Account # : XXXX Amount Owed : {$1300.00} ( Same amount from the original debt over 12 years ago ) Please help me stop the fraudulent activity which Im sure they use on many people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed the credit card account on XX/XX/XXXX. 
I had a credit of {$1000.00} and I requested a direct deposit. 
I received the direct deposit into my checking account. 
From my point of view the case closed. 

Not for Citi : Citi had sent out a check over the same amount and charged {$1000.00} to my account. Citi paid out the credit twice? Why? I did not ask for that. 

I never received the check and I did not cash the check. 

On XX/XX/XXXX I called Citi and talked to a manager. 
She realized the mistake Citi had made and promised to cancel the check and reverse all charges. 

As of XX/XX/XXXX nothing has happened. 
I received a debt collection phone call on XX/XX/XXXX. 

It is important to me that nothing has been reported to the credit rating agencies. 
I don't know how I can verify that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have 3 accounts with synchrony bank for XXXX XXXX rewards, synchrony car care and care credit. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with TJMax for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Unable to connect with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
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 XX/XX/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. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Recently I received " Return of Load Document '' from Freedom Mortgage Corp. dated XX/XX/2020. Along with my documents, I found 21 pages worth of documents from a separate member of Freedom Mortgage XXXX which I DO NOT KNOW. 

I called Freedom Mortgage Corp. and explain the issue but they mentioned that the department that handle these sort of cases does not have phone number so the customer representative can't connect me. Customer representative told me that they will reach out to me once they get more information on the certain situation. 

I would like the CFPB take some LEGAL action against Freedom Mortgage Corp. by involuntarily sending me the Publicly Identifiable Information or PII information without the consent from the other member.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: OH

Complaint narrative:
I sent certified mail requesting Validation of Debt and Method Verification for the following accounts over 30 days ago : PORTFOLIO RECOV ASSOC : XXXX ; XXXX ; XXXX ; XXXX Per the FCRA 611, please provide a description on the steps used to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have a mortgage through NewRez. They acquired our mortgage on XX/XX/XXXX. Our taxes were due on XX/XX/XXXX and we have more than enough in our Escrow Account to cover the taxes due. NewRez failed to pay our taxes on XX/XX/XXXX. On XX/XX/XXXX, we received a Delinquent Notice from XXXX County TX stating that our taxes had not been paid. We called NewRez on XX/XX/XXXX to notify them and sent a copy of the delinquent notice by email. The lady who answered the phone stated that she was not in the Loan Servicing Department but someone from that Department would be in contact with us once they got the email. She stated over the phone that they received the email and we got an automated response by email stating that the email was received. On XX/XX/XXXX, we got a Delinquent Notice from XXXX XXXX XXXX XXXX also stating that our taxes were not paid. On XX/XX/XXXX, a follow up email was sent to NewRez with a copy of both delinquent notices attached and a 2nd request to please contact us regarding this issue. We have never received a response by email or phone from the NewRez Loan Servicing Department with any information about how they are going to fix the problem or about why they failed to pay our taxes as required on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is a direct demand of a fair solution for my situation. Back on XXXX, I tried to solve this issue with Bank of America. They havent even investigate, or contact me. 

The account is the following : account # XXXX XXXX XXXX XXXX, limit {$21000.00}. Bank of America has not moved a finger to solve this matter, which is a violation under the California Credit REporting Act. They have also committed other violations, such as : Inconsistent credit reporting across bureaus, reporting incomplete information, etc. 

I ask you to please send the attached documents to Bank of America. 

I thank you so much for taking in consideration my complaint. 

Best for you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my Chase Checking account ( *XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. Chase tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my Chase Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was Chase 's, but they refuse to correct the error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA 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