vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe Comenity bank is falsely billing me for merchandise I never purchased. I did have an account with Comenity that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and Comenity bank to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/Comenity Bank, to no avail. I called Comenity Bank to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had fraud on my account from XXXX XXXX XXXX  {$86.00} in XX/XX/2020. This charge is fraud, I never made this purchase. I've asked several times and the money has not been refunded to me. I also complained about Chase Bank to my senator XXXX XXXX. I also emailed the office of my congressman XXXX XXXX to complain about Chase. I also submitted a comment to complain about Chase Bank to whitehouse.gov/contact. I also filed a tip about Chase Bank to my local XXXX XXXX XXXX XXXX  XXXX at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and Equifax is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX  XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX  that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). Experian and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I 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 non-monetary relief
Consumer complaint received 2020-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
My ReliaCard account has Pandemic Unemployment Assistance monies in it. 

US Bank, without notice or reason, has deactivated my account.

Despite me following all directions of US Bank to upload to them my drivers license and other documentation, US Bank has not activated my account, depriving me of access to my Pandemic Unemployment Assistance monies. 

Please activate my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have had a checking account with Suntrust for decades. A couple of years ago they started charging me a fee if the balance went below a certain threshold on my savings accounts. I went in and talked to the Branch Manager and they apologized, removed the fees, reimbursed the past fees and PROMISED that if I stayed with the bank, this would never happen again on ANY of my accounts. Today I open my account and see that they have begun charging me a $ XXXX  monthly fee on my checking account which I have had open for many years with Suntrust and was actually a customer of two predecessor banks that Suntrust bought. I went online to complain and used the chat function. After waiting for more than 20 minutes Suntrust DELETED THE CHAT and just disappeared. Before you bother to ask, NO I did not receive ANY notice in writing that the bank would be initiating a fee on my account -- let alone a notice 30 days ago. If I sound like I am angry, I am. These big banks should not be allowed to use these deceptive and sneaky and ILLEGAL practices to cheat hard working Americans. Please make them stop.

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 2020-10-31 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: MD

Complaint narrative:
RE : The XXXX XXXX/XXXX  # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

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 2020-10-31 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: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -

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 2020-10-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. 
Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred.

Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The following account # XXXX does not belong in the collection and should be removed from my credit file. I tried numerous times to pay this account from the day I moved out in XXXX. The information being reported is inaccurate ; the account was not past due and is not a bill from XX/XX/XXXX. My due date to move out was XX/XX/XXXX and the management company asked me to move out in XX/XX/XXXX, because they needed the apartment for a new tenant, due to an issue on their part. 
I agreed to move out in XXXX and pay only the few days of rent while I moved out and cleaned the apartment, which totaled {$390.00}. About a month after turning in the apt keys to the property manager, I attempted to log into my online account to pay the balance, as instructed to do so by the property manager. However, my account was no longer active within the online system ; therefore, I sent an email to both the leasing agent and the property manager to advise them about my inability to access my online account. 
Both emails bounced back ( see attached emails ) and it turned out the property email addresses were deactivated and telephones numbers were disconnected. At this time I decided to physically go into the office to not have any fees lingering over my credit. Upon arrival the leasing agent informed me that the property had been sold and they can not accept my payment and I had to contact the previous property management company. I did a XXXX search for XXXX  XXXX  and found their Corporate office in Illinois and sent an information request through their website and I was informed I had to pay the new property owners and my payment could not be accepted by them. Then I contacted their accounts receivable department where I was informed that they could not locate any account with my name. With that said, please remove account # XXXX XXXX XXXX from my credit file as it no longer belongs to me and has been sold. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I had a mortgage at loandepot and refunded with them. My settlement was XX/XX/XXXX. In order to not have to bring a payment to closing and avoid going to a bank during covid I was advised I could pay my payment due in XX/XX/XXXX early during XXXX and then those funds would be applied at closing so I didnt owe money. I did this and the closing went great. Online I can see my loan was paid in full on XX/XX/XXXX but on XXXX/XXXX/XXXX loan depot incorrectly automatically pulled {$4100.00} from my bank account when my loan was paid in full and my XXXX payment was already made in XXXX. They clearly have a lack of controls on their payment processing process. 

I called up the next day to ask them why they did this and have the payment refunded explaining I did not want to wait for my refund of my loan because they improperly pulled this money and I needed it due to Covid issues. My son got XXXX  back on XXXX and my wife had to quit her job due to care for my son and has been unemployed since without any state unemployment. The person on the phone told me she would process a request to refund it and I should happen in a week. It has now been 24 days since my loan was paid in full I have still not received the refund. I called loandepot on Saturday XX/XX/XXXX and was told that the request for a refund was cancelled because they would refund the money with the normal escrow process 17 business days after the closing. This is unacceptable as they had no right to take this money in the first place but additionally Friday XX/XX/XXXX was 17 business days after the close and I am on the phone with them and am told the escrow refund is still not processed. In my opinion this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My social security card, ID, and PNC debit card was stolen on XX/XX/2020 at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I was at my friends apartment when people we did not know showed up and went through my purse when I was not around and stole them. I contacted XXXX  and placed fraud on my account. I am going to file a police report and contact the SSA on Monday when they open.

Company response to consumer: Closed with explanation