vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Pentagon Federal Credit Union. The phone system was recently redone and it the only way to get a person now is to use option 5 that says " to become a new member press 5 ''. 
I talked to XXXX on XXXX and asked for a supervisor and got XXXX who said the voice prompt # 5 says to speak to someone press 5 and hung up. The prompt is for new members, I called back to verify this. I was on the call from XXXX until XXXX and didn't want to spend another hour and five minutes with them. Can someone bring this to there attention. They say there calls are recorded so the call should be on file. 
The number that I am calling is the main number. 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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX consumer report alerted me that a company called XXXX XXXX XXXX reported a collection account on my credit report. A representative of XXXX XXXX XXXX said services were taken in XX/XX/XXXX and ended XX/XX/XXXX. Again I do not live in the great state of Texas. This fraud and identity theft caused a negative mark on my credit report and my standing in the community. I have notified XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made multiple attempts asking Experian to stop reporting incorrect information on my credit report. XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. Here are a list of accounts that has been placed on my credit report that has violated my consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-05-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been disputing inaccurate information on my credit file with equifax since XX/XX/2022. Equifax has unverifiable information that is inconsistent across all three credit bureaus, and they are refusing to investigate my claim. I forwarded to Equifax on XX/XX/2022 certified return receipt with signature proof delivery. Equifax representative received my dispute on XX/XX/2022. The tracking number is XXXX. Equifax received the below dispute regarding how they can report inaccurate information on me, that is defaming my character. I forwarded the below documentation to Equifax, and equifax closed the dispute on XXXX XX/XX/2022, and dismissed my dispute as frivolous. I am showing equifax that their information although has been investigated, that the information that is reflected on my credit report is INACCURATE. According to the CFPB and FCRA credit reporting agencies must report accurately all information regarding the current status of accounts, or it can not be reported. I have shown equifax what is inaccurate that is coded via their metro 2 compliance software. Additionally, equifax has decided on the four accounts that are being disputed to a ) report multiple charge offs which is inaccurate for a single account, 2 ) they refuse to report the good payment history that was established with the disputed accounts, and only will report late payments and charge offs. This is defimation of my character, and I am going to be filing a complaint with the XXXX and the attorney general of texas in tandem with this complaint. 

Equifax is breaking the law and only is reporting inaccurate negative information, and none of these accounts show positive payment history. This information is inaccurate and is not in accordance with the FCRA. Equifax needs to fix this immediately. I am following up with this complaint with the Texas AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2022 I purchased an item for {$900.00} from XXXX  through PayPayl. I requested for a signature to be requested for delivery. Package says it was delivered but it was not. Based on the tracking number no specific address is provided to where the package was delivered. I disputed the charge with PayPal since Paypal has a buyers protection which ensures a refund credit if a package is not delivered. Under Paypals buyer protection, proper proof of delivery for anything over {$750.00} is a signature. XXXX does not have a signature to account for proper proof of delivery. Paypal closed the case in my favor and credited the amount. However Synchrony bank which runs PayPal credit made a chargeback on XX/XX/XXXX. The case was already closed in my favor and Synchrony bank is refusing to give me my 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 monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I received notice from XXXX regarding fraudulent activity at Bank Of America in relation to my identity. I called BofA and was transferred several times to various departments. The last woman I reached confirmed an account in my name and began trying to close it. She left me on hold for 3 hours and never returned to tell me it was resolved. Today is XX/XX/2022 and I received a new notice about fraudulent activity at Bank of America. It seems BofA does not want to help me. I am not a customer with BofA but this is my identity being used at their bank. I have been on phone for 3 hours and continue to get transferred to representatives who claim they can not help me because I must speak to another dept. I have spoken to 5 people today and there seems to be no end in sight. Bank of America seems to have no idea how to resolve claims of fraudulent activity as they continue to transfer me to the same departments which are located in different cities. These are unacceptable business practices and are a prime reason why I do not use banking services at Bank of America. Based on federal law, there should be clear cut ways to investigate and scrutinize any question regarding the validity of an account or the information provided to secure that 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 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Notice to all, I am that I am, the CONSUMER in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding. 

On XX/XX/2022 I received a letter from FIRST POINT COLLECTION RESOURCES INC. to acknowledge a dispute. I never gave them my written consent or permission to contact me. This is Harassment, and has left me with extreme XXXX  and XXXX. 

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Evidence and Proof shows they contacted me on XX/XX/2022. They have/retrieved/bought/stolen/were given MY PERSONAL MEDICAL INFORMATION. THIS IS A VIOLATION, and has caused me great mental suffering and XXXX. 

Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Evidence and Proof shows They have included a logo within the contents of the letter. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Evidence and Proof shows that the letter reads this is communication from a debt collector. THIS IS A VIOLATION.

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

To say I owe a debt on my private medical information is obscene and profane language

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-05-31 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: IL

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently submitted a 3rd dispute for the credit reporting agency Equifax to fix the inaccurate information on my report. I sent all account information, including description of what was incorrect yet they rfuse to remove the inaccurate information and ask again for me to provide the information, see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Glacier Bancorp Inc.
State: ID

Complaint narrative:
Mountain West Bank account was closed. They honor check presented after account closed and are continue to charge continuous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Company put a hold on my account because I purchased an XXXX. 

Resolving this hold required a massive amount of personal data to be mailed unsecured to a XXXX XXXX XXXX I requested a secure portal instead. The company ( After two weeks ) was incapable of making this work. 

When I requested to close the account, the company refused, locked the account and hung up on me ( twice )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXXCROSSCOUNTRY MORTGAGE, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Starting a few months ago, I began receiving calls from Spring Oaks Capital. The caller, apparently the same woman each time and calling from XXXX, starts by saying she's calling about a past due account with her organization, and she mentions XXXX or XXXX. 

I respond the same : It's not me. I've never borrowed from those places and never would. 

She then asks me to prove it by giving her my DOB. 

I tell her I'm not going to do that. It's not my responsibility to prove to her that she's looking for the wrong person. 

Each time she calls, we go through the same dance. 

I'm tired of it, and I sure hope you'd slap them with some kind of fine or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX- Applied for PMI cancellation. Was told I could either make a payment to get over 20 % equity based on appraisal or apply for a reappraisal. 


XX/XX/XXXX- Applied for PMI cancellation after making numerous additional payment to get to the 20 % equity. Now they are saying I need to get to 25 % equity. Also claim they are unable to calculate the value of the house and that it may have gone down. Apparently my house is the only house in the country that may have decreased in value over the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a Mortgage with Truist Bank, formerly Sun Trust bank, towards which I have made extra Principal payments. The bank does not correctly apply my Principal payments but instead treats them a standard payment, dividing it between Principle, interest and escrow. When I have identified these problems they say the machine can't pickup that the payment form is marked as a Principal payment so it applies the payment as a normal monthly payment regardless of the amount. I've asked to them correct these errors multiple times and to send a listing of my payments so I can see if they applied the payments correctly. The information format they send is a garbled mess and has entries of certain amounts being swapped from they internal accounts supposedly to my account but not for the amounts I've paid. I've asked for a simpler format that shows each of my payments and how it was distributed, but they refuse to do so. 

I sent in a payment in XXXX that was not correctly applied. I told them about it and they said they would correct it. When I got the XXXX statement, it did not show the correction because the XXXX statement, prepared XX/XX/2022, was before they received my XXXX principle payment. They told me because of the preparation date I would see the adjusted principal payment on the XXXX statement, prepare on XX/XX/2022. The XXXX statement does not show a single Principal payment but shows part of the payment as a negative Payment Adjustment in the Principal category and a second entry described as Unapplied Funds credited to a Fees/Other category. This statement does not show me the full amount of my payment being applied to Principal. Therefore, I have no way of knowing if the Principal payment was credited properly or went into their coffers as interest and escrow or fees. 

Your help to rectify this situation would be greatly appreciated. And advice of any actions I might take would also be helpful.

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 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
A few months ago I received a letter stating that I would no longer be receiving statements by mail and that everything would need to be online. I called XXXX to ask why I got the letter and that I wanted to get my statement by mail and they told me that I would be charged an administrative fee. I asked that they send me that in a letter. I never got the letter, and when I got online to check my statement and called them again to see why I wouldn't be receiving my statement by mail, I was told again that it was a charge to get a paper statement. I can't find anything online, nor did I agree to this. Now I have received 2 payoff quotes within a months time and they are charging me {$60.00} for those. I never asked for a payoff quote, and have contacted them 3 times and every time I call them they either disconnect me, or I can not understand a word they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a previous complaint against Equifax number XXXX regarding personal identification information on my consumer credit file. Equifax mailed me a letter as a stall tactic requesting proof of identity when I provided proof of identity with my previous complaint. I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax remains in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have been disputing my credit with Transunion, XXXX, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. 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 non-monetary relief