vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
Good morning, I called First Collection Services about paying off a debt. I had a very limited amount of money, so I was trying to see if there was a way to have my debt with this collector reduced, or removed from my credit report. I was advised that I could not get what I was requesting. I was offered to speak with a supervisor if I needed more clarification and to have my questions answered and explained. 

I was transferred to a Ms. XXXX. I was trying to gather a few questions. The first being her name. She told me Ms. XXXX again. I asked for clarification on if Ms was her actual name, or her title. She then started to get hateful with me and ask me what I needed. I continued to tell her that I need her to verify her name for me. The then said something along the lines of " Since this call is going no where I'm going to disconnect the line '' She did not give me her contact information, her name, or ANY information that could help me pay my debt. The only information I got from her was her name was " Miss XXXX '' I called back and asked to speak with a " Ms. XXXX '' and was transferred directly to her voicemail that gave me her full name XXXX XXXX XXXX. She was verbally abusive, inappropriate, and offered no assistance with paying off my collection. 

I later called back and Spoke with a XXXX that was able to provide ALL the answers to the questions I asked including her Name. She was wonderful, and I paid my full amount with her help. 

Date : XX/XX/2020 Amount : {$190.00} Action Taken by XXXX XXXX : Nothing Action Taken by me : I called and spoke with a woman that deserves a raise ( XXXX XXXX and paid off my debt and a reference number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
on XX/XX/2020, U.S. BANK Located on XXXX XXXX XXXX , XXXX, IL XXXX, Shut down my account and held over {$4000.00} in the account for absolutely no reason, they gave me a numbber, her name is XXXX, i don't know what she does but all i was given is a phone number : XXXX, when i called her, she said, OH you sent money thru the account and received money, sorry but we're shutting down your account, that was ALL, no reason at all, they have caused me financial damages right now unable to pay bills on time and many other problems, and they're refusing to hand me my money, they said it will probably take months for you to be able to get them, please i need 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 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I have an installment loan with Lending Club. For the last few months I have been making more than the minimum payment. Thereby reducing the principal each month. This has reflected in a reduction in the interest I owe them per month. On XX/XX/XXXX of this month I added {$600.00} more to the payment. I always call in the payment to instruct them to reduce the principal with the added money I am committing as I did on XX/XX/XXXX. The phone call is always prefaced by a recording which states that the phone call is being recorded and it is an attempt to collect a debt. As always I instructed the agent to apply the additional payment to the principal and I would be making XXXX 's payment as scheduled. She acknowledged the same. The following day I checked to see how much of a reduction in interest there was based on the prior months additional principal payment. To my surprise I saw that lending club took it upon themselves to pay XXXX 's payment and hit me with a whopping {$270.00} interest charge instead of an approximated {$180.00} charge. 
I immediately call them on XX/XX/XXXX. After 1 hour and 21 minutes on the phone with them after being transferred to 3 other people I was advised it would be corrected in 24-48 hrs. I called on Friday XXXX XXXX after waiting 52 minutes in a queue, I was advised that it was approved and would reflect no later than Monday XX/XX/XXXX. After checking on Wednesday XX/XX/XXXX I saw nothing was done. I called again and was told the only option I had was to make an additional payment but the interest would not be refunded or adjusted accordingly. 
I have since checked their reviews and come to realize after the fact, that this is customary with this company. It surely smacks of fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order.

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXXXXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MI

Complaint narrative:
After reviewing my credit file i've notice a few accounts and a Bankruptcy that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was disputing a Bankruptcy on my credit report that XXXX verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for TransUnion i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX  XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I received the information from a USAA banking customer service representative that my online access had been suspended and that my 3 personal accounts and 3 joint  accounts with my husband were being closed as on XX/XX/2020. There was no explanation as to why this was happening only that the " powers at be '' made the decision and there was nothing that could be done. I asked to speak with a supervisor and received a call back 3-4 days later. I was told the exact same thing and given an address that I could send a Dispute letter to. I asked to speak with his supervisor or someone that could give me some answers as to why and how this decision was made. He said he would leave a message. I mailed the dispute letter off and my husband posted a complaint on social media how I and my family were being treated with he being a USAA member for 24 years and I having been a member for 7 years. This decision does not only affect my accounts but it also affects my husbands business with USAA as well. We were model, loyal customers that pay tens of thousands of dollars/year in insurance premiums for personal and business, we have loans and multiple accounts, including our children 's accounts. We have never been late on any payment, have never overdrawn our accounts and have always been in good standing with USAA. I received a call on XX/XX/XXXX from an executive dept representative confirming that they had received my letter and my husbands complaint and that they were standing by their decision to close my/our accounts and still would give me no reason and stated that they did not have to. I was never asked one question about anything and I have been  told that banks usually only take an extreme measure such as this when major fraud or breaking the law has occurred. I assured them that I have never committed any such act and felt that this " investigation '' was a farce and I am the victim in all of this and would like someone to stand up for me and help resolve this issue. I have done nothing to warrant a decision such as this and it has completely disrupted my family and our belief in a company that claims to be available, accessible and supportive to their military members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage was transferred from XXXX to Shellpoint in XX/XX/XXXX and they said that my insurance had been cancelled which was not true. I sent them proof on insurance from XX/XX/XXXX forward which showed insurance was never cancelled. Then they sent me second letter dated XX/XX/XXXX which I received XX/XX/XXXX that said I did not show coverage for the month of XX/XX/XXXX ( letter attached ) so they would place insurance for that 1 month and charge me {$77.00} I immediately emailed them proof of insurance for the month of XX/XX/XXXX. ( see attached email and proof of insurance for the month of XXXX XXXX ). But as you can see from the last letter they are charging me the insurance premium of {$77.00} for the month of XX/XX/XXXX anyway. I have made a number of calls to them and this has not been resolved. 
Thank you, XXXX 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 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Om XX/XX/XXXX, I went to my local bank branch, PNC at XXXX XXXX XXXX, XXXX, NC XXXX. I needed documents from an account I recently closed in XX/XX/2019. The account number ends in XXXX. 

I asked for documents and records from this account. I was told that the Manager of the branch stated that I could not access any documents or information from this account because the account was closed in XX/XX/2019. I also asked for an authorization form so that I could give a 3rd party access to this account and permission to speak with bank representatives on my behalf. I was told there was no way I could give PNC permission to release information to a 3rd party and that a 3rd party would have to subpoena such information.

My son who has my Power of Attorney also asked for the information about this account and he was also refused. He was told that the Power of Attorney needed to be reviewed by the legal department even though it was recorded at the register of deeds office on XX/XX/2019. 

I do not understand why I can not get access to my own account, even though it was closed a few months ago. I do not understand why I can not give permission to a 3rd party to access account information. I do have another active account at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX  XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
Mortgage payment check was sent to Lakeview Loan Servicing XXXX XX/XX/2020. 
The check was for {$1600.00}. {$650.00} was for regular loan payment. {$1000.00} extra for principal. Lakeview only applied {$650.00} to our account. They refuse to apply the extra {$1000.00}. We have a copy of canceled check for {$1600.00} which was sent to them 3 times. We keep getting told they are researching it and will be resolved in a couple days. 
When the couple days pass, we get told the same thing again. We have {$1000.00} out there that has already been taken out of our 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 2020-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was on my credit monitoring site and noticed a few fraudulent accounts that im going to put in this complaint. I had no knowledge of these accounts. i would like these accounts removed, they are affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 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: Innovis
State: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: LEXISNEXIS
State: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MI

Complaint narrative:
After reviewing my credit file i've notice a few accounts and a Bankruptcy that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A checking account was opened online by an identity thief despite having frozen my account with credit agencies. When I called SunTrust, I was told they could not speak with me over the telephone. I needed to present myself to branch. Went to branch. Was assured by representative there that the account would be closed promptly, and they placed an additional password that was to be required for all transactions. Received blank checks 3 days later for the " closed '' account. When I called next day, was not able to speak to fraud department, was placed on hold for more than 10 minutes, and was told that account would be closed sometime ( no estimate given ). And no password was requested.

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