vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX I have a complaint against First Horizon bank. 
Rout # XXXX Account number XXXX On about XXXX XXXX I over drafted on my account, My account was frozen until I can cover the overdraft. 
I did not have funds immediately, but I had some wrapped coins that I needed to cash out. 
I

set up an appointment to see an accou nt manager to cash out coins. while waiting for the cash, I had a simple conversation with the representative about the new COV19 bank regulations. 
I was asked if I had been exposed to the XXXXXXXX XXXX, and I answered honestly, I said yes. I was hospitalized XXXX weeks earlier and was tested by XXXX XXXX and XXXX XXXX and I was XXXX  for the XXXX. 
Representative then started to say I need to leave now and got up and held the band door open for me to leave, I told her I was XXXX  and I had a hospital not with the XXXX. 
I was always practicing ALL the proper social distancing and wearing a mask. 

I then went home and filed a complaint with the corporate 's office. 
Word was sent to the bank manager, XXXX. XXXX, who then took it upon herself to freeze my account and started closing the account. 

Not just my account but any account that my name was attached to it. 
This caused a major problem, because one account was one that belongs to my brother, who depends on this account to receive his S.S. direct deposit. 

I was able to keep the account open after going above her head to keep that open. 

I made deposits on XXXX XXXX and was told funds will be available on XX/XX/XXXX. 
when I tried to access my account on XX/XX/XXXX, I was told that the checks have not cleared yet. I checked with my friends who had paid me and was told the checks have cleared their banks by XX/XX/XXXX. 

The bank manager was still holding on to my money for no other reason but to be spiteful. 

She then closed my account as of XX/XX/2020. As of Friday XX/XX/XXXX, I still have yet to receive my final check or my bank statement that I was charged {$2.00} for. 

And as of XX/XX/XXXX, I had a balance of {$480.00}. 
her closing my account has caused some of my automatic payment declined. 

I have worked to build up my credit score and she has jeopardized all my hard worked on. 

She was and is a bad person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My sons student loans ( of which I am the co-signer ) were taken over by Navient. His payments have been sporadic but he always ends up making a payment. Over the last 2 to 3 years I have personally received numerous phone calls, statements from Navient saying the account is overdue and letters threatening to send the account to a collection agency. 
I personally have contacted Navient to request that the phone calls stop, I have made payments to bring the accounts up-to-date. Most recently, I found out that Navient had faxed my employer asking for information, and called my sister trying to get information. 
At the beginning of XXXX, I called Navient and negociated a pay off amount. That amount was paid in full on XX/XX/XXXX. Since that time I have received two statements from Navient saying there was a balance and they also called my brothers house within the last week to request information about me. 
At this time I am seriously considering filing a lawsuit for harassment against Navient. The account is paid in full, why are they still harassing me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has my private information which is fraud! And IDENTITY Theft! and has sold it off to a third party named RENT RECOVERY SOLUTIONS.. 

They are using my social security number to send information out saying I have a debt which is IDENTITY THEFT! MY PRIVATE INFORMATION HAS BEEN SOLD AND monetized.. as well as mail fraud my name is not spelled in all capital letters they have broken countless laws and need to face suit ... FRAUD, MAIL FRAUD, BLACKmail, identify theft. Etc. None without my written expressed consistent. 
All unlawful. I am requesting that rent recovery solutions delete said debt ... Contract legal and send me funds for Fraudulent claims and IDENTITY THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX I filed complaint XXXX against Midwest Recovery Systems. I have also file a complaint against them with the AG of Texas and Missouri. In addition, I filed a complaint against XXXX XXXX with the CFPB and a complaint against XXXX XXXXXXXX XXXX XXXX with the XXXX  and AG of NY since those were the parties mentioned in the response to my complaint dated XX/XX/XXXX. 
Since my complaint with CFPB dated XX/XX/XXXX, I have received couple voicemails from MRS XXXX XXXX and XX/XX/XXXX regarding the alleged fraudulent debt, a clear violation of the FDCPA. While this account is in the validation phase, it is my understanding that all attempts to collect on this alleged debt via phone calls and contact from MRS would stop until they can provide me with a contractual agreement SIGNED by me on XX/XX/XXXX that binds me to the alleged debt. Apart from the phone, I have also received communication from an XXXX XXXX of MRS and an update of my XXXX   credit file on XX/XX/XXXX that caused my credit score to drop 66 point. 
It is my intend to also forward all of my correspondence regarding this matter to the FTC with the hope that MRS get sued for violation of federal Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: One Source Technology
State: SC

Complaint narrative:
This company reports outdated information ... .the way they do this is change a XXXX XXXX to read XXXX ... .ive had 3 reports pulled in the last 6 months ... all three were different with false and incorrect information ... somebody with this agency or the reporting agency is falsifing the information.. 
Recklessly ... negligent..willful..and with malice..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST

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 2020-05-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST

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 2020-05-25 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: NJ

Complaint narrative:
On XX/XX/XXXX, I pulled my TransUnion credit report and XXXX XXXX  XXXX was reporting a account number consisting of 12 digits which I knew was inaccurate. So I eventually disputed the account XX/XX/XXXX and the account was verified on XX/XX/XXXX. However, I noticed that the account number was changed from 12 digits to 16 digits. In XX/XX/XXXX, I sent a notarized dispute letter to TransUnion pointing out the discrepancies and inaccuracies regarding the disputed account because I do not have a contract for such account number. I also warned them that if they did not properly investigate my dispute that I would be filing a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my first dispute. Due to TransUnion failure to properly investigate my dispute and removing the inaccurate account, it's causing a unwarranted derogatory status to reflect on my report which is having a negative affect on my credit report score.

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 2020-05-25 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: GA

Complaint narrative:
I filed a dispute with Transunion Credit Bureau asking them to provide me with the information of the bankruptcy That they are reporting on my credit file, and they sent back a response stating that they verified it thru the courts. When I called the courts to verify this information, I was informed they do not release any information to the credit bureaus and it is also a disclaimer on the courts website.

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 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I sent a certified letter to collection Credit Collection Services collection agency asking them to validate this debt and competent evidence bearing my signature showing that I have some contractual obligation to pay them. I attached what they sent me for validation, which is only a bill. They violated the Fair Debt Credit Practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank - Account # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.

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 2020-05-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX store card issued by Synchrony Bank was closed with no notice written or otherwise in XX/XX/2020 in violation of current banking regulations

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 2020-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened a Bluebird American Express account for myself and added my brother and son to help them manage their money. I finally got the cards after 3 weeks and had my brothers UE check deposited without a problem. I paid 2 bills for him and when the next deposit for unemployment check was supposed to be made ( 699 ), I received an email stating the account was closed due to section 20 ( d ). I did not have any idea what this was and tried to login to the account and no access. I called the number on the card and waited on hold for 2 hours to have a foreigner tell me the account was closed and they could not view the account. I asked how do I get the money in the account and they had no answer. He kept saying the same " statement '' the account was closed  and no way to get or see money in account. I hung up. This is my brothers money. He is handicapped and doesnt know how to manage his money. it was over XXXX in total. I wrote a letter to the address American Express provides and have heard nothing. How can this be legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 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: BAS Receivable Management Inc.
State: CO

Complaint narrative:
Original creditor XXXX Colorado XXXX accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with XXXX  and Bonded Adjusted Services.

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 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was a victim of identity theft a fraudulent credit card was opened in my name with the company XXXXXXXX XXXX XXXX  i supplied a theft report to them and they deleted the account from my credit somehow Midland Funding collections Is trying to collect a debt that I never owned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I opened this account as I wanted to leverage the 0 % interest purchase/balance transfer offe being extended until XX/XX/XXXX. Initial credit line was approved for {$4700.00}. Used $ XXXX of that for balance transfers. Paid more than minimum & on time every month. Out of nowhere credit limit was reduced to {$2200.00} which means my overall utilization will be around 90 % instead of 40 % which will negatively impact my credit score. I spoke to First Bank Card twice ( XX/XX/XXXX and XX/XX/XXXX ) and explained this and also that none of my other credit card companies have taken this step which tells me this was a decision First Bank Card made on their own ( an escalations rep admitted as much when he called me back ). This is wrong on so many levels. I asked the company if we could come to any sort or compromise such as leaving my limit at XXXX for now then when I pay off byXX/XX/XXXX then reduce limit to {$2200.00} after that time. I also suggested they make the available credit " frozen '' ( my current balance minus {$4700.00} ) so it  can not be used as I had no intention of using it anyhow but have {$4700.00} reported to credit bureaus as my limit solely to help protect my credit score my reflecting a better credit utilization percentage. But they again said they would do nothing. If nothing is doneI will be paying this account off asap and they will not get a dime of money from me after that. As I explained to First Bank Card. If I would've known my limit was going to be reduced to {$2200.00} I would've simply capped my balance transfers to $ XXXX-XXXX  tops. This was a bait and switch and now my credit score is going to be negatively impacted at no fault of my own. This is wrong on so may levels. Please hold First Bank Card accountable for their unethical business practices and assist me with getting a resolution. 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 2020-05-25 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: WI

Complaint narrative:
I have disputed the accuracy of accounts that have paid to Equifax, XXXX XXXX and XXXX. XXXX, and XXXX XXXX immediately deleted the accounts since the Collection was not reporting them correctly. Equifax will not, they have told me twice that the creditor has reported accurately, this is not the case as these collections have been paid in full and they still report no payment. It is puzzling to me that XXXX XXXX and XXXX  can see by my provided receipt that XXXX XXXX XXXX refuses to report accurately. I have mailed this information to Equifax twice and they also can not follow the law. I have been refused an auto loan because of Equifax refusal to comply as they are required to do so.I have enclosed documents with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CAPITAL ONE XX/XX/XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Original creditor XXXX XXXX  Hospitals accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with Experian and 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