vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
My experience started when I flew to Florida to close a checking account in my mother 's name which I was the sole beneficiary on, following her death. There are no Chase Bank 's in the state where I live. They were not able to close the account, collected copies of paperwork and after many phone calls to followup and being passed off to many people I received a check for the balance ( over {$80000.00} ) in the account after a few months! Now I'm dealing with another issue related to the same account. The account is closed. The bank had issued a preauthorized automatic payment before closing the account. I also paid the same bill from the estate account. Thus the payee returned the funds electronically to Chase Bank to credit the account after it was closed. On XX/XX/2020, Chase bank mailed a check to the estate for the funds ( {$1600.00} ). I was unaware of what had happened, Chase offered no explanation with the check. I called them about it on XX/XX/XXXX and discovered the issue. Because I was the sole beneficiary on the account and the estate had already paid the bill I was entitled to the funds personally. I spoke to a representative who advised me to mail the check with an explanation to a specific person at Chase Deceased Processing office. I mailed the letter and the check to them on XX/XX/20. I called to followup XX/XX/20 and they claimed they never received the check and insisted I needed to fax them a copy of the letter and check. I do not have access to a fax, they would not accept an emailed copy only a fax or another mailed copy. I was able to find an app to fax this to them after hours of time. I called to follow up again and they matched my fax with the file. On XX/XX/20 I called again to follow as they had advised they would escalate the issue and be in touch and I had heard nothing. I was never able to speak to anyone specific only call and talk to whomever answered the phone and then go through the whole scenario again with each call. on XX/XX/XXXX they advised they had located the check and would reissue it. On XX/XX/XXXX they confirmed they had sent it to the appropriate department who issued the check and it was to be reviewed and processed. I was told it should not be a problem and I should have a check soon. I asked what to do if I did not receive it and they told me again to call the same number and start over. I was out of town, upon my return today, I called XX/XX/20 ; they have no updates and claim they will check into it and follow-up. I'm very frustrated and feel they are not being fair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ftc violatons capital one bank XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I had some fraudulent activity months ago about a car accident that I never was involved in. 
I contacted my insurance provider Because I was being harrased about owing and paying a debt that was not mine. 
My insurance clear cover said they would handle the matter. Sent them pictures of my vehicle with no damage and emailed all documents and letters I was receiving. 
It is not 6 plus months later and iam receiving calls and letters from CONVERGENT OUTSOURCING INC Stating I owe {$1600.00} but will settle {$560.00}, I do not owe any one anything, I pay all my debts in full. 
I feel like this is some fraudulent attempt to collect a debt that's not mine or had anythi g to do with me. 
Please any help is much appreciated. 
Thank you XXXX XXXX XX/XX/2020

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violatons XXXX  XXXX XXXX  equifax will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TX

Complaint narrative:
ftc violatons XXXX  XXXX XXXX  XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.

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 2020-03-02 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
On XXXX, XXXX and XXXX XXXX, XXXX, I tried to dispute with Transunion under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach with I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

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 2020-03-02 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:
My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please 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 2020-03-02 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:
My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please 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 2020-03-02 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-02 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit score keeps dropping very frequently on my trans union credit score. I been working hard on my credit score with  transunion to no avail. Im am not qualifying for any higher limit credit cards as a result of my continuously lowering credit scores. I monitor my credit scores on XXXX XXXX and on XXXX XXXX. Both show transunion scores. I have gotten a new higher limit credit card a few months ago and my credit utilization is pretty low right now. But yet I have not seen any increase in my credit score even with a lower credit card utilization rate. But yet my credit score keeps getting lower and lower. This is having an impact on my ability to qualify for higher limit credit cards. Im wondering if this issue can be looked into as I work so hard on my credit score only to see it continue to go down in the dumps. Thanks for your help.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
XXXX has unlawfully denied me access to my funds and has also made me lose money as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX I Defaulted on my Bank of America Mortgage XXXX BOA  gave to XXXX to service XX/XX/XXXX I completed a Loan MOD to save from Foreclosure thru XXXX  XX/XX/XXXX an escrow analysis was done ( as it is every year ) It was calculated incorrect. When my MOD  was done, I was given a XXXX yr repayment for outstanding Escrows owed. It took me a month to prove and talk to someone that could comprehend and fix this. 
XX/XX/XXXX Loan gave back to Bank of America XX/XX/XXXX My Taxes went significantly down and escrow were recalculated. Im now in the same boat from XX/XX/XXXX, only worse. BOA is telling me to prove the XXXX yr repayment of prior outstanding escrows. I told them to contact XXXX ( the Manager who helped me ) But they seem to not want to. My Hard Drive crashed XX/XX/XXXX and I now dont have the MOD requirement sheet that stated info about the escrows. I have made a payment with what it should be but Bank wont apply to my loan. So now we sit at a stand still until they fix their issue! The difference in correcting is {$100.00} mth

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 2020-03-02 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have received a collection from medical debt that disputed and deleted from my credit file. Now through another company this debt is trying to be resold or re-aged which is an illegal practice. The original holder was XXXX XXXX XXXX. The amounts and dates correctly corresponds with the same accounts that were deleted. Now this is a clear violation of the Fair credit reporting act. They either stop their illegal practice or face off in court for {$1000.00} for each account in small claims court. They didn't have copies of my HIPAA forms nor my signature. Which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
I mailed a certified letter to First National Collection Bureau Inc in XX/XX/2020 because they have contacted me numerous occasions regarding a debt they say belongs to me from XXXX XXXX XXXX. In my certified letter I asked the First National Collection Bureau Inc to please provide me proof that the debt they say I owe is valid because I never authorize XXXX XXXXXXXX XXXX to authorize a credit card in my name. In my letter, I also asked First National Collection Bureau to re-frame from calling me and to communicate with me through postal mail because they have been harassing me with at least five calls a day. I have a history of all the times they called. I also file a dispute with the XXXX XXXX and XXXX for them to investigate this case as well. I also reached out to XXXX XXXXXXXX XXXX  and they encourage me to speak with First National Collection Bureau Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.

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 2020-03-02 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:
There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: DC

Complaint narrative:
Inaccurate information on credit report. Please update and investigate and report accurate information on 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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My checking account was closed by Suntrust Bank. In XXXX of 2019, I had {$7.00} in my account and my XXXX charge of {$8.00} was taken out of my account. When XXXX charge me {$8.00} I was in the negative by $ XXXX. I spoke with the branch manger who said she could not waive the {$35.00} fee at the time because they had waive one earlier that year for me in XXXXI called customer service fora better of how I they are charging me {$110.00} 1st : ( - {$1.00} ) 2nd : overdraft fee of ( {$36.00} ) 3rd : extended overdraft fee ( {$30.00} ) 4th : maintenance fee of ( {$7.00} ) 5th : admin fee of ( {$30.00} ) 6th : who knows? Total XXXX XXXX XXXX I still don't see how they charge me {$110.00} because this only equals {$100.00}. So, not only did they take my {$7.00} they turn my $ XXXX into a {$100.00} profit. WOW!!!

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX   XXXX - XXXX- XX/XX/2020 XXXX  XXXX - XX/XX/2020 2020

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies made hard credit inquiry without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation