vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: NY

Complaint narrative:
I called 2 times and sent a letter to Equifax stating the age of credit history is wrong. My XXXX credit card account and my XXXX  XXXX XXXX credit card account was opened in 2017 but I believe it was longer. In the account it says been a member since 2017 for both so Im not understanding why on the credit report for Equifax it shows 1 year 6 months as the age of credit history. The incorrect information is causing my credit score and credit report to be inaccurate. If they are not going to report the correct information that is Fraud. The proof is in the account. I have old credit reports with XXXX and XXXX XXXX XXXX account information on it from 2017 so that should be reported as 3 years and some months. Please correct this matter thats still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My business checking account has been frozen by Capital One Bank since XXXX. When I called into the small business customer support, I was transferred to the fraud division who told me that I need to submit information regarding the eligibility of my business for an SBA EIDL loan that my business received in XX/XX/XXXX. I was also told that the SBA has asked Capital One to conduct the review on its behalf. 

However, despite repeated requests via phone and e-mail going back a period of over one month now, Capital One has refused to send me either in writing or via e-mail what documentation Capital One are requesting for this review. I was asked to email XXXX which I have done several times without any response. 

In addition, my personal checking and savings accounts also held at Capital One have been frozen and I can not even login to my Capital One account to review statements or otherwise manage my account. These accounts have no bearing on any review that Capital One is conducting on behalf of the SBA. 

Capital One needs to confirm in writing what documentation is being asked for and what the legitimate reason for this review is. Why have I not received any communication from Capital One on this matter? I had to call in to even get the little information that I have now. 

As a result of this account freeze, I am not only unable to conduct business, but I have had bill payments scheduled to my personal account fail costing me fees and potential hard to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Integrated Asset Recovery LLC
State: PA

Complaint narrative:
XXXX is not providing requested documents so that I can investigate & verify accounts are mine and they are reporting accurately. As of now they are reporting inaccurate information without providing me proof these are my accounts. I disputed directly with them and received no response to my certified letter. If they can't show actual proof they can't collect nor can they report. Per section 609 I have the right to request an actual agreement/contract bearing my name. XXXX is maliciously and purposely hurting my credit by reporting false information.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-10 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
In XX/XX/2020, I disputed this account to say that this is not my account. The creditor could not verify my social security number for this account. There is a totally different social security number. The account was removed from the XXXX  Credit report but not all 3 credit bureaus as was it should be. I tried to dispute this again in XX/XX/2020, but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a business account at BB & T. In the process of opening the business account, I get an alert on my XXXX  credit monitoring that my credit was pulled. I asked the banking associate why my credit was pulled. She told me the credit was pulled soft to open the account. I told her, it was not a soft pull that i relieved a hard inquiry pull on my report. Two days later I get a second credit pull on my report. The banker says she doesn't see why it was pulled. When she did her internal investigation, she said, they did pull my credit and they were not willing to remove it. This is a terrible banking practice. Is this the same as what XXXX XXXX was doing years ago? Please investigate this immediately. The credit pulls were on XX/XX/XXXX and XX/XX/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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The company has not given me any answers to my dispute and I want this removed immediately. I am finding almost all history on my credit report is invalid and all done without my knowledge. This application and card was fraudulently obtained and i dont know when or by whom. Im trying to remove all from credit report immediately. Few companies are giving me problems and then I have decided I am going to lock/freeze my accounts so this is unable to happen again. Please remove this card information for me as like I said this was not me and it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I received a collection letter today out of the blue. Upon reading it the first time, I did not recognize any part of the loan or companies they are representing. I thought there must be some mistake. After much thought, if this is indeed a loan taken out by me, then its for a auto loan I aquired in XXXX, CO, in XXXX. As far as I can remember, it could have been XXXX XXXX XXXX, and ended with the vehicle being repossessed for years later in XXXX. I never heard from the company again as they were located in Tennessee and I was then living in XXXX, CO. As per everything that I have been reading, you can see this is way past the statue of limitations. I have no idea why they would even try to collect on a debt that old? My next plan is to utilize my rights and request validity of the debt. However, I wanted to inform whoever I could of the work, time, and effort it is going to take to resolve this matter which is absolutely ridiculous. I have not had a vehicle finance since then until just recently in XXXX of XXXX. By the way, it is not financed with this company or any companies linked to this company. I hope all gets resolved quickly and fairly, I am not happy with these fraudulent attempts of collection. Please advise me on what I am able to do to resolve this matter and hopefully thort any future fraudulous requests. Thank you very much for your time. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last XXXX XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York XXXX XXXX. 
They told me they did not verified because Case was Dismissed Experian Use 3rd Party to verified this account. 
This account must delete from my 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 2021-03-10 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: Credit Control Company, Inc.
State: AR

Complaint narrative:
Ive sent ( 2 ) Certified Letters to them requesting validation and verification of the ( 2 ) debts associated with this account. On all accounts with them, I was fully insured and my insurance information was given to them, yet they failed to file it on date of service XX/XX/15 and Ive received no correspondence/bill from them period on any of the accounts they claim they have against me and have reported to credit bureaus. After speaking with them today, there are allegedly two other dates of service that havent been turned over to collection that Ive never received a bill for. It isnt my fault they didnt file an insurance claim for the XX/XX/2015 date of service when I was fully insured with XXXX of AR and I shouldnt be responsible for the amount they are claiming I owe. Nor have I ever received a bill from them regarding ANY charges they claim are my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was affect by the coronavirus pandemic. I contacted the lender multiple times to inform them of my situation and made partial payments. However they reported on my credit report my payment was 30 days late in XXXX and XXXX. You would think in These difficult times as a mother who lost more than 50 % of my income they would be more understanding. When I compare the total that was paid in their website and what was reported on my XXXX credit report they don't coincide. When I called and asked for a report of what was paid and what was due. They refused stating it would only confuse me. They payments were never more than 30 days late if they would have reported the correct days according to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I notified Citibank shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from CitiBank for the aforementioned account. Soon after, Citi lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with CitiBank collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that Citi would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was XXXX after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, Citibank was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by Citibank further harming my credit status.

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 2021-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Was renting a apartment for a few years. I am diabetic and couldnt work anymore cuz my feet and knees were hurting very much. I didnt owe no rent it was up to date. But they argue about me not turning in a 2 month notice ahead of time. I wasnt able to work anymore and not afford the rent so I moved out.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I enrolled in a checking & savings account with Wells Fargo. After a few days I called to collect information on my account and was told that I had an account with them in XXXX and because the phone number I used to build the new account didnt match the number I used 17 years ago I can not be authenticated and am unable to access those funds. I went into a branch and showed them my IDs and withdrawal from my XXXX account and was still denied access to those funds. Ive been robbed by Wells Fargo and have no clue how to get my money back from them.

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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA

Complaint narrative:
1. lender/builders/builders agent all allowed the realtor to stay in the transaction all the way to closing and was supposed to assist the buyers and did not assist the buyers at all until only after being present on sigining of purchase agreementon XX/XX/2020. They were all informed that on the purchase agreement signed by the buyers and builder it was noted that this realtor would receive commission only if the brokers agreement fee was signed by all partiies. this agreement contract was in fact never signed by anyone and they refused to abide by what was on the contract due to the builder and the realtor having an " economic relationship '' together, which is against the fudiciary duties of the realtor. Realtors interest shoudl be for their client and in this case it was between the realtor and lender and seller/builder. 
2. Buyers refused to abide by the transaction and was informed that if not, there will be fined wth fees and can not anymore back up from the transaction. 
3. the home was appraised at XXXX and the loan was at XXXX which was noted on the loan estimate. on the day of closing and notarized, the lender changed the price of the home and sent the notary public to the buyers and informed them the need to sign the documents or will be fined with all delays and fees. the price of the home was changed to XXXX which was indeed over the amount they had provided on the apprasail week prior. Week prior the lender, provided different loan amount along with different closing cash needed to close and on the day of notary and closing, all the amount changed and forced the buyers to agree with this and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I request Source Receivable Management send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer have no contract with Source Receivable Management nor have i done business with them. i, the consumer only participates in a consumer credit transactions i the consumer doesn't own a debt, its alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment I'm the original creditor, lender, executor administrator and holder in due course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I do not have an account or any debt from this company yet they refuse to remove from my 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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
This complaint involves Sychrony Bank and the credit card obtained from them through membership at Sam 's Club. My card payment is due on the XXXX of each month. I was over my limit and decided to take money out of savings and pay almost all of what was owed as I no longer want to pay large interest payments. 
I submitted a payment of {$7500.00} for XX/XX/XXXX. I received notification that payment was processed on XX/XX/XXXX. My personal bank account showed the money was paid out on XX/XX/XXXX. On XX/XX/XXXX, my card was declined for payment of a service on that date. My account showed that I owed {$710.00} dollars to Synchrony but that I had - {$740.00} available to spend. I have a {$7500.00} limit. I tried an online chat with customer service and expressed my concern. I was informed that larger payments can take as long as 3-4 days to process. I continued to check the account over the weekend and there was no change. I also continued to express my concern in the online chat with customer service. Yesterday, XX/XX/XXXX, I once again checked and again the figures had not changed. Today, XX/XX/21, I went to use the card to pay for less than {$25.00} worth of groceries and again the card was declined. The figures in Synchrony Bank '' s summary of my account have remained the same. Once again, I explained and complained to customer service. I also insisted that any and all interest fees accrued since XX/XX/XXXX when payment was processed, be dismissed. 
I appreciate any assistance you can offer with this 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 2021-03-10 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: TX

Complaint narrative:
I notified XXXX shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from XXXX for the aforementioned account. Soon after, XXXX lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with XXXX collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that XXXX would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was hospitalized after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, XXXX was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by XXXX further harming my credit status.

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 2021-03-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am self employed and was hit hard by COVID. So, I sent a hardship letter with a $ XXXX check in a large USPS Priority envelope to Citicorp to close this account. 

They cashed the check so I thought that closed my account, but they continue to call and write, so I continued to send them copies of the hardship letter. 

Please help get this account closed. 

Thank you. 

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