vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: AZ

Complaint narrative:
I received a collection letter in the mail about a medical debt/charge that I have no recollection or knowledge of the service occuring. The creditor name is XXXX XXXX XXXX XXXX, the creditor account # is XXXX and the service date was on XX/XX/XXXX with a balance of {$2600.00}. I've never been to a XXXX XXXX XXXX XXXX, I haven't lived in XXXX since XXXX and I've been residing in XXXX since XX/XX/XXXX. Somehow there a charge and outstanding balance tied to my name and I think somebody has stolen my identity and use my credentialsfor this medical service and I do not want to be responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-12-30 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: FL

Complaint narrative:
I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the Equifax data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/20, I submitted a claim for fraudulent activity amount XXXX on my account after I was assured changing my password would solve the problem only the bank never blocked charges from the service the fraudulent activity is from. I'm notified after that is something you have to request. There was no fraud protection for my account. Chime is denying resolve in this issue when I have done everything I can as the cardholder to protect my account. I have made two police reports both submitted to chime. My lawyer is revising next steps to take pressing forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CT

Complaint narrative:
i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and 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 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Errors from XXXX  XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate 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 2020-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Errors from XXXX XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Errors from XXXX XXXX XXXX  are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate 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 2020-12-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Self Financial Inc.
State: CA

Complaint narrative:
Ive made 2 reports that my account is being reported as bankruptcy discharge. This account was not discharged and is being negatively reported on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Beginning XX/XX/2020, I became negative on my account. Recurring charges continued to post, causing a total of 9 NSF/OD fees. I contacted my bank in XXXX when it all began and I was told they could not waive any fees as a courtesy. Since we are in a pandemic, my business has taken a hit and financially I have been struggling. I attempted to resolve this again via phone on XX/XX/XXXX, and was on the phone for several hours. The first person I spoke with was able to refund me 2 fees, totaling {$70.00}. This was after being told back in XXXX, no fees would be or could be waived. I decided to call again because if this one individual was able to refund me 2 fees, I wanted to see if more could be waived since I was being given contradicting information. I spoke with customer service again and I asked to speak with a manager, and they said no and instead transferred me to collections. Collections simply said I had less than 40 days before my account could potentially charge off and be closed. They told me I was not supposed to have been transferred to collections because my account is not in collections and is open and active. They told me to call regular customer service, which I went ahead and did again. I called again and spoke with a rep who I asked to speak with her supervisor, XXXX ( XXXX ) and he was unprofessional. He kept cutting me off and repeating information as though he was not listening to what I was asking for. He kept insisting I speak with Collections even though I told him I had and they had said I did not need to speak with them because of my account status still being open. I then asked to speak with his supervisor, so I was transferred to XXXX ( XXXX ). This woman 's customer service was even worse, as she was condescending and simply told me she would not waive any fees. I have been a customer for many years and my account has never had any fees in the past. I am simply asking that the bank, in light of everything that is happening, waive the remaining 7 fees. I am going to be making additional deposits so the account will be in good standing once again. I am just simply disappointed that after banking with BOFA so many years and never asking for any refunds since I have not had any fees in the past, see they are so unwilling to work with me. I have plenty of family and friends who also bank with BOFA because I recommended them to open an account. I will definitely be letting them know of my experience as I can't believe how insensitive this institution has been with me, despite me explaining to several people my situation. I just want these additional 7 fees waived.

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 2020-12-30 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again. 

I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed. 

First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment. 

Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account. 

Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form. 

Finally, if I did authorize the payment, why is it not on my account? Why was it removed?

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 2020-12-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust decided not to do business with me after months of opening the account then closed the account without any real reason. In doing so they have are holding a cleared check in the amount of XXXX ( # XXXX ). They claim that I now have to recall a cleared check and that I have to go after a customer that the funds were already taken from his account to get my money back. This is absurd. I have almost lost my apt , warehouse, phones, and an employee because of this mess. I have called SunTrust 20 times with the same results and no clear reason they closed my account. They sent a check for XXXX dollar but refuse to send the {$4300.00}. I'm at a loss and this has really put me in a bind financially and this bank could care less. Customer service is a mess, never again will I use a Suntrust bank.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
This is In Reference to my previous complaints that I have asked you to investigate against Bayview / Community loan servicing under complaint # XXXX and XXXX. I am asking CFPB to investigate the details of the forclosure below. 

Community loan servicing is not responding to the their improper handling of this mortgage foreclosure. 

ALL CORRESONDENCE ( PLEASE SEE THE ATTACHMENTS ) WERE SENT TO THE ADDRESS OF THE PROPERTY WHERE NONE OF THE PARTIES RESPONSIBLE FOR THE MORTGAGE RESIDE. EVEN THOUGH I MADE AGREEMENT FOR THE LOAN MODIFICATION IN XX/XX/XXXX VIA EMAIL AND THE FIRST PAYMENT WAS CASHED IN XX/XX/XXXX, NO FURTHER CORRESPONENCE WAS SENT TO ME AT MY ADDRESS THAT WAS GIVEN TO COMMUNITY LOAN SERVICING. EVERY PIECE OF CORRESPONDENCE WAS SENT TO THE INCORRECT ADDRESS. 

The loan modification agreement that was issued by Bayview was never forwarded to me for the payment arrangements although Bayview had my home address, email and my cell phone number. There were no attempts to contact me only letters and arrangements sent to the property address that I did not receive. 

The transfer of service that is referenced to have been issued to me was also issued to the address of the property. This information as to the transfer of the mortgage was never sent to me to my address of record nor was I notified in any other way. 

Community had all of my contact information but chose not to contact me at my home address, my business email, nor to my cell phone. XXXX XXXX at Bayview had all of my contact information. ( see the attachments ) Community states they are unable to comment on the servicing of the loan as the loan was transferred to XXXX ; however they were responsible for giving the new assumed company my correct contact information which was NOT done. 

The transfer of service company, XXXX XXXX, was not given my correct contact information by Community as no attempt was made through this company regarding the previous modification or a new modification agreement and the property was sold on XX/XX/XXXX without any notification to me as guardian to XXXX XXXX XXXX. 

This is my third attempt to ask to have this reviewed as to the fairness and integrity of the transactions that occurred. I continued my contact with Bayview/Community into XX/XX/XXXX with no resolution and no cooperation. Community simply want to transfer the blame for the foreclosure sale to XXXX XXXX XXXX XXXX whom never received the proper contact information for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have never received a billing statement from my kohls charge card. I have tried switching from mailed to emailed statements and called on this which I was told there is nothing they can do or dont know why. I get all their promotion emails but cant get a statement. They confirmed my email address and it does not go to my junk folders. I tried accessing through my online account and I am unable to access that account every time I try getting a contact customer service upon contacting customer service I get transferred from person to person and eventually a no name voicemail. I am unable to see finance charges or amounts Im being billed for and the company is refusing to escalate internally to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank is reporting an erroneous late on my credit file. I recently submitted disputes with the credit bureaus to dispute another late on XX/XX/2020. They removed this late but added this new XXXX late. I was NEVER late in XX/XX/2020. I am requesting this proof be provided to me. I was not late and this needs to fixed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation