vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Sunday my wife and I deposited our income tax refund check into the Wellls Fargo atm located in XXXX XXXX SC. It said our funds would be ready in 48 hours. Well those funds never came through. We received a call from the bank saying something went wrong with there atm and our money wasn't deposited. And they dont have our check anymore but we have the recipe the atm gave us with a copy of the check on the recipe. But they are saying we have to wait on a letter in the mail to take to the bank to figure out how to get our money back. I need to know what to do because I am fed up with the waiting on something that belongs to me to be returned in how ever long that takes.

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 2020-05-01 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: SC

Complaint narrative:
What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a XXXX XXXX with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And Experian they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed 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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have two issues or problems paying my mortgage.

1 ) During the process of attempting to resolve unapplied funds due to an escrow issue with 5/3 Bank, I have been given insufficient instructions on what to pay to get my loan current. During multiple calls, I have been told that the fees will be removed as the issue started with an error on the 5/3 's side which is confirmed by a letter received from 5/3 where the apologize for their inability to service and provide guidance to me. However, this inability continues and I now have another {$74.00} in late fee but none of my payments have been received late ( All within the Grace period ), and all in line with directions provided by 5/3 customer representatives. It seems like I have no way to pay this loan in-time or with the right amount as 5/3 is changing the goal post on my over and over again. Instructions and promises over the phone are wrong or pure lies. 
2 ) In my attempts to refinance due to lower interest rates, I found out that my credit score is severely impacted by 5/3 's horrendous practices. This is also something that 5/3 confirmed and apologize for in a written letter dated XX/XX/XXXX. This mistake on 5/3 side will now cost me {$50.00} per month for the next 30 years or about {$18000.00}. During my many phone calls with a 5/3 representative, they constantly told me that this information would not be reported to the credit bureau. Another lie or misinformation. If I would have known, I could have paid the difference until 5/3 corrected my accounts. Again, how can you trust a bank institution when the can not provide accurate information or they straight up lie to you. Is their no code of conduct in this institution or within the banking industry?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
On XX/XX/XXXX, Midwest recovery placed a payday loan on my account for XXXXdollars. It was from XXXX XXXX. Stated the debt from XXXX and will go away in XX/XX/XXXX. This is a fraudulent account, I did not apply for a payday loan and all of there information about myself is from a previous account, they had my current information from. This account I paid them but they kept taking money from my account and I contacted the XXXX. The other account was deleted from my report, the next day XXXX XXXX a payday loan was on my credit report. This company is changing dates and adding Information to collect money. Now I'm afraid my information is gone to be added to numerous accounts they have for other people. I have not applied for XXXX XXXX in XXXX, and When I tried contacting XXXX they had no record of the account either. Told me they might of changed the person and dates but nothing they can do. MIDWEST is trying to scam me out of my money. It's quite odd the XXXX made them delete a account I was paying on. This is why they had my information. I gave them my personal information cause of a previous account. But they kept trying to collect money, and add more money to a debt after the debt was paid. This is how they had my current address and phone number. Then the next day the company put a fraud account was placed on my credit. This company needs to be stopped. I dont want them to keep adding accounts to my credit. And this keeps happening, since they have my information on file. They want to collect on a account that is not mine. You can see in XXXX I did not apply for any payday loans. New Jerseyis one of those sixteen states in the United States of America that have completely banned payday lending. As per New Jersey payday loan laws, it is a criminal offence for lenders to offer extremely high rate short term cash advances to the residents of this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
From XX/XX/XXXX up until XX/XX/XXXX I was struggling to pay my credit card bill with USAA. I contacted them and tried to work out and agreement and they neglected to help, telling me that fees and interest would still accumulate and late payment fees as well. And they eventually closed my account. So XXXX of XXXX came around and I received a notice of interest continuing to be charged on my closed USAA account. I contacted them and made them aware of this matter and that I had been laid off due to the Covid-19 virus. They further neglected to help, stating, fees will continue to accrue until the account was paid in full. As a XXXX, I feel discriminated against for something that was out of my control. USAA definitely doesnt care, and is continuing to charge me fees, interest, and late payments on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
FICO score modeling done by TransUnion and provided by XXXX  XXXX XXXX and others is flawed because it penalizes someone -- and says that it does -- for NOT having non-mortgage loans. My score dropped 11 points last month, from XXXX to XXXX. Here is a copy and paste of their bizarre explanation/justification, which makes absolutely no sense to anyone with 1/2 a brain : " Congratulations! You have an exceptional FICO Score, with minimal impacts from the information below. Keep up your good financial habits! 

Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a person 's credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 
Keep in mind : In general, people who purchase with an installment loan, and pay back the loan on time tend to demonstrate the ability to manage a variety of credit types. However, a new account opening, and to a lesser extent the credit inquiry associated with applying for a new account, may demonstrate higher risk in the short term. 

I don't even have a mortgage loan -- and haven't in 3 years since my mortgage was paid in full -- and my credit cards are paid in full automatically every month ; my 12 year old car was paid in full 7 years ago ; and if I wanted a new car now, I would pay cash for it because I don't have a need and don't want any bank to make money by lending me money. So why -- because I don't have an " an auto or student loan '' should I be penalized for this? Their modeling and the assumptions they make simply do not make any sense and are unfair to me and probably a whole lot of other people who don't take the time to complain to you. There is no justification for them to simply throw the entire population into the same box and form their reports for everyone using the same, very generalized criteria.

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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
- XXXX XX/XX/XXXX I XXXX XXXX opened a checking and savings account with Suntrust bank ending in XXXX and XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust savings account ending in XXXX. 

- XXXX XX/XX/XXXX {$5000.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$2900.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

I made these deposits from my primary checking account I have with XXXX XXXX via online transfer to Suntrust bank checking account ( XXXX ) and savings account ( XXXX ). On XX/XX/XXXX my Suntrust bank accounts ending in XXXX and XXXX were frozen with no explanation leaving me no access to the funds in my accounts. I have called Suntrusts bank customer care call center numerous times and spoke to several staff representatives all to be told that they can not provide me with any additional information except that my account is frozen and set to be closed. I have also reached out to the branch manager of Suntrust bank XXXX XXXX MD location ( XXXX XXXX ) only to be told I will be receiving a letter in the mail pertaining to this matter and that she can not provide me with any further details. Throughout my attempt to rightfully gain access to my funds I have been cut short and hung up on multiple times by Suntrust bank call center. I still have yet to receive a letter in the mail from Suntrust bank with any details or contact information to a department that can assist me in the releasing of my funds. Now on this day XX/XX/XXXX I am out of {$8100.00} during this Covid19 pandemic when survival is most questionable and scariest. I at the moment have no income, job, or unemployment assistance due to Covid19. This unforeseen circumstance has greatly impacted my ability to function and survive. Unfortunately no one at Suntrust bank seems to be willing to help me obtain what is already mine. My Money! 

- 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 2020-05-01 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: TX

Complaint narrative:
In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX 's XXXX  ran a hard inquiry XXXX and XXXX 's XXXX  has since been removed from my credit report. XXXX  and Equifax are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and Equifax are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: TX

Complaint narrative:
ftc violations or not mine to my best knowledge govern by the ftc violations code

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX of XXXX I signed an invoice agreeing to pay a company that I thought was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the amount of {$2700.00} using my Synchrony Credit Card. 

Since that time I have found that this merchant engaged in several deceitful business practices to include misrepresenting what their company name is on the invoice. Their company name is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are not authorized to operate in the state of Maryland under that name. And they are not authorized to bill me under that name. The legal name of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I did not agree to have XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Transmissions do any work for me. I did not sign an invoice agreeing to pay XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX any amount of money. The charge on the Synchrony Card is false. 

I filed a dispute with Synchrony CarXXXX on XX/XX/XXXX. I also submitted a document from a XXXX XXXX Investigator stating that XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was misrepresenting their name on the invoice. 

On XX/XX/XXXX I got an email saying that my Synchrony Bill was now due. When I called I was informed that the investigation was over and that the bank found in the merchants favor. 

On XX/XX/XXXX I sent a certified letter to Synchrony Bank requesting a formal letter of the bank 's decision. I also requested that copies of all the documents used to reach this decision be sent to me. 

As of the date of this letter I have yet to receive a formal letter stating the bank 's decision or any of the documents used to reach that decision. I have legal rights to these documents and I want them. 

I will be attaching a copy of the letter from the XXXX XXXX Investigator showing that the company misrepresented it's name on the invoice. i will also be attaching a copy of the invoice that the company misrepresented it's name on.

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 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX  XXXX ran a hard inquiry XXXX and XXXXXXXX XXXX XXXX  has since been removed from my credit report. Transunion and XXXX  are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and XXXX are to remove that hard inquiry because it consisted of fraud. Thank you. 
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 non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for XXXX loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get XXXX loan which is given to small businesses because of these credit scorXXXX agencies. XXXX lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, TransUnion, XXXX  and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
This is a fraudulent account opened by someone who stole my identity. Therefore, I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Macys has been linked with multiple data breach where people personal information including payment details have been stolen https : XXXX https : XXXX I have previously contacted Macys to report this account as fraudulent and was told to file an identity theft report which I did and is include in this dispute. I have also included a NOTICE TO FURNISHERS and a copy of my previous and current drivers license to show that I have been continuously living in the XXXX XXXX XXXX since 2012. I have never received any paperwork, contract agreement, bills, goods or services at my address shown on my drivers license. 
I respectfully request that Macys provides me with the following : Signed contract or agreement showing my name and address ; Copy of my drivers license, social security or any other relevant information ; Any goods or services that was received ; Any bills or receipt that was sent to the address ; Proof that Macys attempted or contacted me regarding this account ( certified mail, letter, etc ... ) showing my address. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including this right : Any attempt to collect this debt without validating it violates the FDCPA. 
Until Macys provide concrete evidence requested above, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. 
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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
It stated date of service that I Did not have. I was not in RWJ ER, on XXXX XXXX, 2019 2019

Company response to consumer: Closed with explanation