vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I bought a XXXX XXXX XXXX truck from XXXX XXXX valued at about {$97000.00}. I deposited the sum of {$67000.00} cash towards down payment and financed the balance of about {$30000.00} through the BB & T bank. The car note was {$640.00} monthly. I regularly paid my car note until XX/XX/XXXX when I had an auto accident wherein I suffered a sprained back injury. As a result of the accident I was unable to work and delayed in making my car note payments. However, I was able to make my payments and keep my account current until XX/XX/XXXX when the covid-19 pandemic caused a shutdown of businesses. I lost my job due to cover-19 pandemic and was unable to pay my car note. In XX/XX/XXXX, I made a {$2000.00} payment which was returned due to insufficiency of funds. I informed BB & T about my job loss, but they were not cooperative with me and refused to give me a break. Hence, in XX/XX/XXXX, they repossessed my car and removed it from my apartment. Later in XX/XX/XXXX, I contacted BB & T through my attorney to pay my arrears of about {$6000.00} to bring my account current, however, BB & T refused to accept my money insisting that I must repay the entire balance of the car note ( about {$32000.00} ) prior to release of my car. BB & T gave me till XX/XX/XXXX to make the full payment of about {$32000.00} else the car will be sold after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I accidentally made a {$560.00} payment to a closed American Express XXXX Credit Card account on XX/XX/2020. XXXX cancelled my card a few years ago and my XXXX credit card was transferred to XXXX XXXX XXXX card. American Express told me they had my {$560.00} payment but will no longer forward to XXXX. They told me my bank XXXX XXXX has to reverse the payment. XXXX XXXX says they can not reverse that type of payment. When I call American Express back they claim they now " dont '' have my {$560.00} because that account is closed and it would automatically go to XXXX. XXXX as of today says they do not have that payment. When I initially called and put in my old closed American express number the recording said I they had my {$560.00} payment. I have talked to American Express three times yesterday. I talked to XXXX once yesterday and keep checking my account to see if it posts and nothing yet. XXXX XXXX is sending me proof American Express got the payment but will not give me anymore assistance to get my payment of {$560.00} back. It can take 7-10 days to get it in the mail but I am sending you a screen shot of the payment that was taken from my account for now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX, 2020 I made a cash advance transaction at a local ATM from a list recommended by Citibank. The amount posted to my credit card account that same day. In addition, Citibank put the same charge in the pending charges, along with a {$15.00} ATM fee. So now I have a {$300.00} charge posted for the advance, and another {$300.00} charge in pending, reducing my available credit by {$600.00} ( instead of the expected {$300.00} ). All attempts to resolve through customer service, both chat and telephone call, resulted in being told I would have to wait until the pending charge posted. It was already posted. They said it could take 30 days or more for the charge to " roll off '' depending on the merchant. They are the merchant.

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 non-monetary relief
Consumer complaint received 2020-10-09 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: TN

Complaint narrative:
am writing this due to non compliance with CRA Experian. They have failed to remove information that has been identified as identity theft. I have attached supporting documents, ie police reports, identity theft reports, and proof of identity all sent certified mail. I spoke with XXXX and XXXX on XX/XX/2020. I strongly believe that they are in violation and are outright refusing to uphold the law.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One XXXX XXXX Capital Venture. Account has a credit balance {$58.00} for past six ( 6 ) month and Capital refused to send money to us. We spoke with several representatives and not giving us any answer. We had another account with Capital and the funds were sent. 
We coming to you for advice and what can we do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account was opened without my permission as a result of identity theft. I have a security fraud alert of with the credit bureaus. And I was not notified until I started to receive harass calls calls. regarding this account. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I currently have my mortgage with Freedom Mortgage. I requested to be put on forbearance due to Covid-19. Beginning on XX/XX/2020, I began requesting to be taken out of forbearance. I have called countless times, made payments and have brought my account current and they still have not removed me from forbearance. After multiple requests I was told they purposely kept me in forbearance to protect me. At this point I am still in forbearance and continuously being told that they will take me out but nothing is happening. This is absolutely unacceptable.

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 2020-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency continues and explained will continue to accept incorrect information from a creditor. Information that through paperwork given during a previous dispute showed the account settled with a XXXX balance. I called Experian and was told they only receive information from the creditors and report it. My issue is that is fraudulent, misleading, damaging and reckless knowing the information is incorrect. Without any proof disputing the paperwork work sent to me from the creditor on their letterhead. It is, in my view, not apart of the Fair Credit Reporting Act and should be illegal to accept fraudulent information EVERY month causing me to file a dispute over proven incorrect 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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am writing this due to non compliance with the furnisher of information reporting identity theft items to the CRA 's. American Express have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to American Express. I strongly believe that they are in violation and are outright refusing to uphold the law. I am XXXX and I am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have a medical bill from XXXX  which I am trying to resolve with my insurance company to pay. They requested additional information which I have provided but have yet to resolve the issue. 
The debt was acquired by a company called Phoenix Financial in the past few months : PHOENIX FINANCIAL SERV Phone : ( XXXX ) XXXX Business Type XXXX Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : IN Zip : XXXX They have been calling both my personal and business phone on a daily basis. Sometimes hostile in nature. For the past 2 months they have been adding new ( major ) derogatory marks to my credit report. While I understand that this can happen with a new collection agency acquiring debt, or a change in payment status, there has been neither in this case. This is clearly a tactic to push out the effective date of my debt on my credit report, and to damage my credit score. 

This can affect things where my credit worthiness is taken into account which can include not only purchases of a car or a house, but necessities such as insurance or deposits required for utilities. 

I think this is an unfair practice predatory in nature and possibly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a Bank of America customer for over 10 years. One day they closed my 3 business accounts and all my credit cards with them. This happened on XX/XX/2020. There was about {$400000.00} in all the accounts. After they closed my accounts they put a freeze on my accounts. When I call they keep giving me the run around how it is in the back office and dont know anything.

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 2020-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.

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 non-monetary relief
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ...

Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX 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
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
I was neve

r late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all
three credit agencies. 

XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
I w

as never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX 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
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I saw the promotion for AmEx Cash Magnet credit card, which allows up to {$300.00} back, that I will earn XXXX for spending XXXX for the first 6 months, and 10 % back up to XXXX for purchase in the U.S. supermarkets. And the protional 0 APR for the first 15 months. 

So I applied for this card around XX/XX/XXXX, and spent around {$4000.00} in the first two months. I did not receive any reward. 

I called the customer services, and then they told me my welcome offer is cancelled. They did notify me in any format, or I will not spend XXXX on this card, I could have used other cards. Not to mention they also cancelled my promotional 0 % APR, I did not know that, so I did not pay in full for the first month which means there is a possible interest I need to pay. 

I would Not apply for this card without the special offer, you can not just cancel it without notifying me and just expect me to read the whole disclosure, that is RIDICULOUS! I need an explaination for the offer I lost and the interest I may need to pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-10-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters  out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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