vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, i had two suncoast accounts, a checking and a a saving there went into collection and were charged off. XX/XX/XXXX, both accounts were paid in full. and no more issues with this account on my credit report since it was now reported paid charge off. fast forward to XXXX i noticed my XX/XX/XXXXreport had updated with a XXXX charge off reporting for the month of XX/XX/XXXX, Where this is incorrect reporting and this account shouldnt have been reporting anymore activity at all since it was paid in full and closed. both XX/XX/XXXX and suncoastcredit union appear to be blaming each other, while leaving my credit score suffering a XXXX point loss due to the errors on both paid in full charge offs from the saving and checking account in XXXX please help resolve.

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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
My account became froze on XX/XX/2020. I have faxed my documents 4 times & uploaded documents also twice. They have gave me 3 + fax numbers, they have gave me all the wrong dates and information. I faxed a copy of my social security card 4 times, my birth certificate 3 times, my expired ohio state ID 4 times, cable bills, my food card, my us bank reliacard, my forms from the bank about a dispute, I uploaded my payment history for the last several weeks from unemployment, my bank account or debit card preference info from unemployment twice and the receipt from the faxes I faxed also! I have been laughed at when I was crying & begging for help!!! I have all the call logs and if they was listening to my previous calls that have been made by myself to the company over 20 times you could hear the lies and wrong information given to me time after time and again! They lie, hold your money and won't try to help ppl.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Reliacard is intentionally and knowingly depriving me of my right to access my money. They are doing this SOLELY to retaliate against me for filing a CFPB Complaint about their willful violations. 

They unexpectedly froze my card on XX/XX/2020 to retaliate. They demanded excessive documents claiming they need it to evaluate my eligibility for unemployment. That is the job of the Texas Workforce Commission, who is trying to get the money back from Reliacard to deposit into my personal checking account elsewhere.

Nevertheless, I sent all requested documents, and the fax was confirmed received. I also emailed it to the executive office and demanded my money. For my security and privacy, I won't attach the documents to this complaint because it includes my social security card. 


Despite having all requested documents ( plus more, as I included my Id card to explain the confidential address on my driver 's license as a XXXX XXXX survivor ), US Bank Reliacard continues to deprive me of the money in my account, {$410.00}. They won't even come with the request to return the deposit by the known remitter of the funds. US Bank Reliacard.

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 2020-10-07 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: FL

Complaint narrative:
id theft victim XXXX XXXX collection XXXX not mine XXXX  XXXX  Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX bank never late

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 2020-10-07 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:
id theft victim XXXX XXXX collection XXXX not mine Us bankruptcy Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX XXXX   never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Multiple companies unable to pull Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My Mortgage Company, Option One, transferred to American Home Mortgage, Transferred to Ocwen Servicing, transferred to PHH and now informed transferred to XXXX. There has been many discrepancies in the amount I owe and on my statements and when I requested a break down my mortgage always transfer to another servicer ... This has been an on going problem since I secured a mortgage loan with Option One in XXXX to purchase my home at XXXX XXXX XXXX, XXXX, NJ XXXX. I have been experiencing hardship after my Father passing and having to quarantine. My mother is very ill and had explain this to Ocwen when I fell behind in my payments and OCWEN offered me a loan modification. In the process of making corrections to my loan modification, my loan was transferred to PHH.

I was informed by PHH there was no record and they needed to research which continue to delay correction to my balance. As a result of this delay I had to I could not sell my house in XX/XX/XXXX. I have been commuting to care for my mother a foreclosure was started. Unfortunately due to COVID-19 I have had to quarantine.

I have been trying to resolve this myself and can not afford an attorney. 
On XX/XX/XXXX, I arrived back home from WV and PHH had sent someone to change the locks on my doors and had winterized my house! I had to call a lock smith to change my locks and Dewinterize my home. This cost me over {$900.00} to change my locks and De-Wnterized my house. During these hard times and pandemic PHH should not have enter my home. I am terrorize and fear someone can enter my home because I am commuting to care for my Mother and may be away from my home for serveral days.

I had already informed the mortgage company since the death of my father and my mother illness in XXXX the reason I wanted to sell my house. I was told not to worry. Instead I was served with foreclosure papers from XXXX C/O PHH Mortgage Services. It has been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: VA

Complaint narrative:
I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for me

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 2020-10-07 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: VA

Complaint narrative:
I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for me

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 2020-10-07 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: VA

Complaint narrative:
I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the Equifax data breach. This has been a stressful experience for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: CA

Complaint narrative:
This is the 3rd month straight that I keep being charge for late fees which I shouldn't, I keep asking them over and over to keep stop charging me for late faeth when I'm making my payments on time in they refused to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5/3 Bank did not reverse fraudulent charges. 
Fraudulent charges were not reversed for my son 's checking account after his card was stolen. Instead of resolving the issue they have sent the balance to collections. I have requested information regarding this account per their instructions and have not received any information at all. I was told that all information would be handled through the dispute email but never received a response and was never contacted back about the issue. Now instead of working to resolve the issue they have damaged my son 's credit score by sending this to collections without ever once contacting us to resolve it. 

So we were a victim first of malicious activity and then instead of helping us the bank made it worse for us by refusing to investigate the fraud properly. 

My son had {$230.00} in his account and after fraudulent activity they said he owes them {$4200.00}. 

Also it is unclear how every time i deposit a check into an account it is held for some time but when a fraudulent check is deposited into an account from an ATM for {$4500.00} it is not held at all and then the thief made purchases at 4 different XXXX  in the same day for {$900.00} plus a {$500.00} ATM withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I have found out that XXXX XXXX  XXXX is Permanently close Thats what this debt originally came from I have sent Countless letters to this company and I havent got Response yet also told this company that my debt was identity theft This company has my wrong address Also and they keep calling me trying to get me to pay this debt if this doesnt get resolved soon I will use legal 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 2020-10-07 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a forbearance agreement with my former mortgage company, Specialized Loan Servicing , LLC, for the months of XXXX, XXXX and XXXX of 2020 with an expiration date of XX/XX/2020. The loan was paid off on XX/XX/2020 and therefore it was not a late payment. Yet, Specialized Loan Servicing, LLC informed XXXX  that the payment was late when they know that it was not. This has adversely affect mine and my wife 's credit because of their error.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. As of XXXX I have not received any notification of debt. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

The inquiries below are not authorized by me. 

XXXX Inquiry from XX/XX/2020 Misc. 
XXXX Inquiry from XX/XX/2020 XXXX XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Finance  XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have 3 debt from XXXX, tatshow on my report. This debt has been paid. The 3 Collection accounts from XXXX, still show on my report I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report

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 2020-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have 2 seperate collections through cell phone companies that I have never had knowledge of showing up on my XXXX Report. 

1. {$10000.00} through 11 XXXX  XXXX  sent to Credence Resource Management on XX/XX/20. I have disputed the debt with XXXX  directly, attempted to dispute it with XXXX XXXX  and they told me they have no record of an account under my name or SSN, and I told the debt collector who called me that it was a fraudulent account and they said they would submit a dispute and I have never heard anything else from them. Despite all of this it is still on my credit report. 

2. {$2300.00} through 11 XXXX sent to XXXX XXXX XXXX on XX/XX/20. I have also disputed this with XXXX  directly and they told me they confirmed the account was valid, although I have never had an account with XXXX. I submitted 2 online disputes to XXXX Fraud unit online, the first time they told me I did it incorrectly and the second one is pending. I have never heard from this debt collector and when I called them they said they had no record of the debt. Again it is still on my XXXX  rerport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 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: PA

Complaint narrative:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

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