vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: GA

Complaint narrative:
My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EXPERIAN has yet again added an apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED ANY SCHOOL IN ALL MY XXXX  YEARS, YET EXPERIAN IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME ... .THAT STARTED IN XX/XX/2015!!! 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened new account at suntrust bank, XXXX fla, on XX/XX/2020, checking. Needed to deposit cash, {$5000.00}. At that time, the agent of bank ( XXXX ), did not review with me the paperwork, therefore my email was wrong and my address, so could not get on line for info nor receive my my debit card, had to go back to bank to address the issue. And to this day have not received my bank card. On XX/XX/2020, deposited a check from XXXX XXXX  ( my account ) for {$50000.00}, the same day my money left XXXX XXXX. Suntrust  said funds wont be available until XX/XX/XXXX due to confidential information that it would not be paid. They already had my money. Called several times and left messages with the branch manager XXXX XXXX, never returned my calls. Went to bank, caught her outside and said why are you holding my money, you already have it, she confidential information said may not be paid, I, why wont you help me, She Ive logged all your calls and walked away.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX bought credit card debt from Capital One and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. XXXX  XXXX  bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC does not link with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: NY

Complaint narrative:
for the past 3 o4-5 years I email an ACH form with the date to deduct the payment to Country Place Mortgage. from my bank account. 
The last 4 months - my payment isn't being deducted on the date I have requested. I have to follow up with phone call to ensure my payment is made. 
I don't know what has changed that this isn't being done per my emailed ACH. 
The problem is I'm in a Chapter XXXX BK and this payments need to be made on time. 
I have reached out to the collection manager and the person who supposedly handles my account and I do not get any reply. 
I am working from home due to the Virus and I cant spend time on the phone checking to make sure they do they jobs. 
Please help me I send an ACH the beginning of the month to have them deduct {$520.00} on the date of my second pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This company agreed not to contact me anymore via complaint through cfpb but have sent 4 letters and are still continuing to call. Please refrain from contacting me immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX  ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX   XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXXXXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2020-07-27 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am unable to transfer funds and/or make ACH deposits when using XXXX  or XXXX because PNC Bank is forbidding access to those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: National Consumer Telecom & Utilities Exchange, Inc.
State: KS

Complaint narrative:
On XX/XX/20 I sent correspondence to XXXX XXXX XXXX-NCTUE stating that I was a victim of identity theft ( XX/XX/XXXXSigned Copy_Identity Theft Letter to Credit Bureau_NCTUE ) The letter was sent certified mail return receipt with tracking # XXXX, and was in NCTUEs possession as of XX/XX/20 ( USPS tracking Results ). 
The letter explained to NCTUE that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Research Request Form, A copy of my Identity Theft Report, Identity Theft Affidavit, Victim Authorization to Law Enforcement, Proof of my identity, Police Reports NCTUES, stated, in an email, dated XX/XX/20, Thank you for submitting your dispute to the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has started processing your dispute request for your telecom and utilities exchange data report for the referenced Confirmation Number. 
This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) NCTUE is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, NCTUE has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
On Friday XX/XX/2020 I received my first notice from Kebridge Medical Revenue Care regarding a debt I owed in the amount of {$40.00} dollars. This is the first notice received from this company, I immediately went to their website and paid them {$40.00} dollars to clear the debt. On Saturday XX/XX/2020 I received a notice from XXXX   XXXX XXXX that they have reported TWO debts to my credit report. One debt in the amount of {$40.00}, another in the amount of {$20.00}. I was unable to call Keybridge until Monday XX/XX/XXXX because they were closed over the weekend. 

On Monday XX/XX/2020 I called Keybridge around XXXX and told them I was calling to clear up the accounts they held in their office so that I could get them removed from the credit report. The account representative named XXXX advised me that I had a total balance of {$110.00} due in their office and this included a balance of {$28.00} dollars that my wife had owed as well. 

They suggested I was responsible for my wife 's debt and asked me to pay it, at no time did they give me any opportunity to dispute the debt, and at no time did they tell me that I was NOT responsible for my wife 's debt. I again stated that I wanted to get it cleared up immediately because I was unaware of any debt at this time. I only received one notice for {$40.00} dollars. 

Over a 3 day period, despite only receiving one notice for {$40.00} due, I paid a total of {$150.00}. After the payment was processed, I asked for this to be removed from my credit report. They refused to remove this, they stated that it would be updated to reflect the account was paid in full. I asked them to please have it removed and they refused to do so. They claim they are not permitted to remove the debt due to a federal statute but I believe this to be incorrect. I believe they are attempting to ruin my credit for a minor oversight. The representative transferred me to her supervisor ( I did not write down the name ) and the supervisor told me the same thing that I KNOW to be false. They both stated that they are not permitted to remove this from my credit report. I know this is 100 % false, they do have the power and are refusing to do so. 

They did not provide me any notice on debt owed over the initial {$40.00} payment due, they led me to believe that I was responsible for my wife 's debt owed as well. They are refusing to remove a PAID Collection account from my credit report. I believe they are engaging in unfair, deceptive, and unethical business practices and would like this company investigated and my credit cleared immediately.

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 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
The vehicle was repossessed at the beginning of XXXX. I received a notice from the lender that the balance of the vehicle after it was sold at an auction was {$14000.00}. I called Regional Acceptance Corporation which is the auto loan lender on XX/XX/XXXX. It states that the 10 and 20 day payoff for the balance of the auto loan is {$15000.00}. I spoke to a representative whom informed me that the auto loan was sent to a law firm by the name of XXXX, XXXX and XXXX. I then contacted them and was told by a representative by the name of XXXX at XXXX extension XXXX that the balance now as of today to payoff was over {$19000.00} because the loan has continued to collect interest at a rate of 16.9 %. 
This should be illegal and at this point I will never be able to pay off the loan. How can interest continue to accrue on a vehicle that you no longer have possession of. Also throughout the time of having the vehicle I had to make several high cost repairs including one a few months after purchasing the car and repairing/replacing the transmission twice in XXXX when the car was not even 2 years old and had less than 60,000 miles.

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 2020-07-27 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
certegy turned down check # XXXX written to XXXX to purchase materials to restore my home after hurricane micheal, i had {$5000.00} in my account, my bank could not understand it, never bounced a check in my life! Spoke with XXXX @ XXXX on XXXX she made me give her personal info to even look for the transaction, and then could not even find it, The receipt they gave me said # 2 for denial which stated while their was no evidence of a check ever bouncing they did not have sufficent info to accept it! I looked them up in XXXX  many complaints, talked to a manager at XXXX that used them to deny check, she siad that it had become a problem and that she was going to speak with upper managment, i also told her that XXXX has lost my business because of certegy. i could not even get a person on the # on the receipt, only after i received a letter with a # on it, and them XXXX could not even find my transaction or give me any good reason it was declined!! I noticed on the XXXX  complaints they answer each one with the same double talk, but never give anyone an answer as to why they have been humiliated! 
Also i wrote a check to XXXX a week previous for alot more and they passed it!!! I want them to admit their error in writing to me and to XXXX! I think they are just trying to collect peoples personal info, and also when i did speak to XXXX she told me that they also share info with XXXX XXXX XXXX XXXX. please help, bbb is full of people that have issues with them!

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 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I traded my car in for a newer vehicle on XX/XX/2020 from a big dealership. Wells Fargo Auto supposedly still did not get payoff as I have reached out to finance manager at the dealership and they have sent it out almost 3 weeks ago to Wells Fargo. I believe Wells Fargo maybe understaffed during pandemic and not getting my account paid/processed timely ...

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