vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NFCU, Recently closed my bank accounts they claimed that the computer I used to apply for a credit product ( WHICH I WAS APPRVD ) was compromised - and sent me all over to every department they have, still with no results in reopening my account! 

I served this country in the XXXX XXXX for several years and to be treated as a common criminal is a slap in the face. NFCU system is flawed and I'm very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX credit card Creditor does unexpected interest rate increases and they also charge so many fees on top of all there interest rate fees. When calling them they say sorry you agreed to the term and conditions of the credit card that nothing can be done.

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 2019-08-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, LLC. has been reporting incorrect information on my credit report. I have numerously contacted TransUnion with request to re-investigate or to delete incorrect information from my file, however, TransUnion has reluctantly refused to validate its verification method to confirm information with creditors and/or to delete disputed information from my record.

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 2019-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dates of inquiries : XX/XX/2018,XX/XX/2018,XX/XX/2018 Theres an erroneous amount of inquiries on my credit reports from your company. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MD

Complaint narrative:
My vehicle was broken into and my purse was stolen with all of my identification in it. I was not aware of my identity being stolen until early this year when a creditor informed me that my information was used with the wrong social security number. I was homeless over 4 years and my identity was being used by someone I don't know. I wrote and spoke with several people at the credit agencies but nothing is being done about it. I really need this removed from my credit report. Information that is destroying me from having major XXXX and going back to school. Please assist me in correcting fraud on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly tried to use Experian 's website to unfreeze my credit so I can refinance, but unable to unfreeze. It is IMPOSSIBLE to get a human on the phone to explain my problem. I am continually given the message to mail in my social, name, address, copy of utility bill. I did mail all requested information a week ago and my lender tells me it is still frozen. 

This is all ridiculous and I had no other problem with the other two credit reporting agencies. 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 non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
A loan from Speedy cash was opened under my name without my permission. I am will provide documentation regarding my identity being stolen to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received a 1099 in 2017 ( included in this complaint ) for an outstanding balance on a timeshare. The balance is {$9100.00}. I paid taxes on this amount. However, Trans Union is still reporting this account as a repossession with a balance of {$9100.00}. This incorrect reporting is costing me my chance to refinance my mortgage. I need this updated or deleted immediately. I am not sure if the issue is with Trans Union not updating properly, or XXXX not reporting the correction to Trans Union. Please see attached documents.

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 2019-08-28 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: TX

Complaint narrative:
I use the free XXXX XXXX account to monitor activity in my credit. A few months back my Equifax score dropped as a result of a new credit inquiry from XXXX XXXX XXXX services. I looked it up and found that it was from a XXXX, Tx. store or service. I live in XXXX, Texas which is approximately ten hours away from XXXX. I called the service but kept getting the run around from every person I spoke to. Defeated, I finally decided to contest it through the Equifax website. I was later notified by Equifax that the inquiry was true and would remain on my report. At no time have I ever been an XXXX XXXX XXXX customer in the past 15 years or so. My cell service is and has been with XXXX XXXX forever. The date of the inquiry into my credit is dated as XX/XX/2019. I did not request an inquiry into my credit by XXXX XXXX XXXX or any of its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AMERICAN HONDA FINANCE CORP
State: KS

Complaint narrative:
I spoke with American Honda Finance Corporation numerous times from XX/XX/XXXX -  XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by American Honda Finance Corporation this would not appear on my credit report after the dispute  was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX  - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. 
My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. 

Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: GA

Complaint narrative:
I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on TU, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-08-28 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: GA

Complaint narrative:
I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX 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
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I called Suntrust on last Friday about my account. And I told the lady not to shut down my cards I needed them and that I would call back once I get everything straight. Well they did anyway after I said not too. I have the right as a customer to not have my card shut down.so Im filling a formal complaint this is totally unacceptable as a customer I reserved my right at that moment as a customer and something needs to be done. So Im asking for that phone to be pulled because i said dont shut down my card all phone call are recorded.

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clearview Resolution Services
State: AZ

Complaint narrative:
phone calls from XXXX Ext. XXXX XXXX XXXX. I attempted inform his of the situation to find a resolution. However, he was horrendously rude and obnoxious. He even went as fraud to break the law by threatening me and making false claims, advising of legal action and garnishment of wages. This man clearly has no business in the field if he can not obey the law and I have listed all the laws he has broken. I am now wondering if this is a legitimate business or scam. 

XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler and Associates, PA
State: KS

Complaint narrative:
In XXXX, I received one letter from a law firm stating that I owed a Hospital ( XXXX XXXX XXXX ) for the amount of XXXX. The original debt was for XXXX, but interest is incurring on a medical debt to the tune of {$70.00}. The problem is that I didn't go to this hospital. Somehow, this letter was forward to me, is addressed to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't live there. I sent in a valdiaton letter, got no response. I attempted to contact the hospital and left several messages. To this date, no one has called me back. Now I'm being sue for TWO medical bills for the same hospital with the corresponding law firm and not once has anyone sent me a validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a XXXX XXXX & I only work part time as an XXXX  in a XXXX. I owe Approx. {$7000.00} on this debt. It is personally a very big hardship for me to pay this debt off. I started paying {$10.00} a month. I had gotten laid off from a job in XXXX & I was paying {$10.00} a month. I have a very large family filled with neices & nephews & I honestly tried to help them take courses to better themselves. My sister passed away & I assisted to raise her children after she died in front of my neice who was attended school where my sister died. Please kindly give me some guidance if a debt ORIGINALLY DATED XX/XX/2006 VISA still has to be paid. IT IS A PERSONAL BURDEN & A GREAT HARDSHIP FOR ME TO PAY OFF THIS BILL. I AM GRATEFUL FOR YOUR KIND ASSISTANCE WITH THIS REQUEST. MAY GOD BLESS YOU. Please kindly note : I did read the CFPB Website. I AM SO VERY GREATFUL THAT I FOUND CFPB. I have a very strong Faith. I know that XXXX XXXX XXXX XXXX placed a nice kind XXXX on the phone with me this afternoon to kindly assist me with my questions from CFPB since I was overwhelmed with my XXXX XXXX. May God Bless you. THANK YOU FOR YOUR KIND ASSISTANCE. BLESSINGS.

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 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. 
For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. 

Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. 

No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CACH , LLC WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY XXXX. ON XXXX XXXX I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XXXX XXXX WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF CACH , LLC AND XXXX HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have contacted the bank to release a hold on my deposit. They state in-network check and cash deposits take 5 business days to clear. They state the ATM has network limitations, but

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went to make a deposit in my Citizens Bank account. The teller told me I had 4 overdraft charges after my car insurance came out. My account was short {$1.00} to cover the total of the insurance. When I checked my transactions on my online banking, I had an overdraft charge the next day for {$35.00} and then {$30.00} every three days after for a total of {$90.00} in sustained overdraft fees plus the {$35.00} initial. I called the bank to ask to be reimbursed because I received no notification my account was overdrawn nor was I aware that there was a sustained overdraft fee. I was denied being reimbursed after speaking with 2 managers. I did a quick search and discovered that a class action lawsuit was filed in 2017 regarding the sustained overdraft fee and the court ruled that it was in violation of the National Bank Act. I can't believe the company is still doing this after this lawsuit and no body cared.

Company response to consumer: Closed with explanation