vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I attempted to change my address with CapitalOne. The customer service people gave me several options for verification. I don't have a cell phone so I was unable to get a text message. Then they took my daughter 's cell number and sent a link to take photos of the front and back of my driver 's license. After numerous attempts we had images that looked fine. The rep refused it. Spoke with a supervisor who refused to allow us to resubmit photos of the license. She advised it could be changed online. Attempted to go online and was told we needed to call them. I believe this company is trying to take advantage of me because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
Had fees from a credit union account was closed for insufficient funds my account was sold to third party and my wages were garnish five years later.is there not a statute of limitations XXXX XXXX XXXX received judgment or Simpson law firm collecting agency in XXXX Mississippi on XXXX XXXX but my job wasnt located until XX/XX/2020 why was I still garnish after 5 years? Because of Covid I asked if I could make arrangements because of reduced wages but they said no I want my money back and something done about this company. My hours are not much and Im still being garnishment to this day its sad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. 

A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. 

When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. 
Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX  didnt allow to deposit the check. 

Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. 

Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. 

We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. 
The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. 

The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. 

on top of that PNC would deny to help us or even listen to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: GreenSky, LLC
State: MN

Complaint narrative:
On XX/XX/2022 I was approved for a loan through Greensky LLC. I received email stating I was approved. The loan was for work I was having completed on my home. Once the work was completed, I contacted Greensky to submit funds so I could pay for the services. On XX/XX/XXXX, I was told the loan was no longer approved and had to contact the fraud department for additional information. I contacted the fraud department and was told I needed to submit a copy of the front and back of my drivers license in order to be reconsidered for the loan. I submitted a copy that day and received an email that it was received. I was told this is requested for all customers. I also requested that the line of credit be decreased since we did not need what was originally approved. They stated once the loan was reactivated it could be decreased. 
I then received a letter dated XX/XX/XXXX from Greensky ( attached ) that the loan and request for a credit limit increase was declined. It also stated that our credit was ran through XXXX and information received was the reason for the decline. 
When I called on XX/XX/2022, I was put on hold for over 25 minutes by the associate picking up the line and placing me back on hold several times. I believe this was done intentionally hoping I would hang up because they did not want to talk to me or approve my loan. When I finally did talk to a manager, I was told I was not declined but they needed an additional copy of my drivers license. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive communication that any additional information was needed. I inquired why we received a decline letter if the loan was previously approved and if all that was needed was a copy of the license that they already had, I should not have received a decline letter for that reason. I also inquired why my credit was pulled additional times. Greensky could not explain why I received the letter and stated I was not declined and could not verify if my credit was pulled multiple times. 
I am worried that my credit was pulled multiple times and is now affecting my credit and credit score and that they did not want to approve the loan because I am elderly.

I believe Greensky has insufficient business practices and is practicing disparate treatment towards the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I was told by the state in XX/XX/XXXX I owed a balance. The balance was paid and shown paid off as of XX/XX/XXXX as the money was taken from my taxes. 
Lien was placed on my credit report, however account has been documented as satisfied. I contacted IRS to have this removed they advise they do not handle removal of liens and to contact my credit bureau I contacted credit bureau and they advised not sure if it can be removed would be escalated to resolution team and i would receive a response in 30 days. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I'm submitting this compliant in reference to CREDIT COLLECTION SERVICES knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX CO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$230.00} US DEPARTMENT OF EDU XXXX Balance {$650.00} US DEPARTMENT OF EDU XXXX Balance {$4200.00} US DEPT. OF EDUCATIO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Early Warning Services, LLC
State: FL

Complaint narrative:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: PNC Bank N.A.
State: FL

Complaint narrative:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

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 2022-08-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan account with Santander. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to XXXX who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivable Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX has placed XXXX collections on my XXXX credit file, one under the amount of {$500.00} in the amount of {$130.00}. Two others that are a duplicate of what's already been reported on my credit file. They are just different amounts. This company never sent me any communication stating that I owe them for any new collections. This action has caused my credit score to decrease XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NCB Management Services Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan account with XXXX. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to NCB who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
Target XXXXCard services member since XXXX of this year and the company is ignoring my constant attempts to contact them regarding Fraudulent activity on my account. The payments I have been making are showing returned when the money is in my account. I accurately input my information several times to make my payments on time. Please investigate this as the TargetXXXXCard company nor their CSR agents care to help me. I have tried repeatedly to resolve this matter. I have contacted Target XXXXCard at XXXX as well as their customer service e-mail to no avail. I am being inaccurately charged fees because they are unhappy with my becoming upset due to their negligence. I dont mind paying what I owe but dont keep intentionally Returning payments to cause me to have to pay more fees because your company is in trouble. For gods sake I am a XXXX XXXX XXXX paying for health care and medical supplies needed to sustain life. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OK

Complaint narrative:
I received a letter from American Coradius, LLC regarding an attempt to collect a debt from XXXX. I called the agency but they could not give me any information. I called XXXX and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I contacted Citizens Bank today to find out why a check I mobile deposited last week is still pending on my account. I was told the check was being investigated by the fraud department. 

My issues are : - I was not contacted by the bank to let me know this was taking place. 
- I have deposited at least four checks from this company that the check is from. 
- The check is for {$3400.00}, not {$34000.00}. Why is it being investigated in the first place? 
- Why is the bank post date for the check XX/XX/15, almost two weeks after I deposited it without any explaination?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a voicemail from unknown number stated they were going to serve me papers and if I wasnt home to get served that would be Me admitting the debt owed. 
I returned their phone call XXXX with reference number XXXX. Spoke to XXXX XXXX- he knew the last 4 of my social. My previous address and current address. He said I owed Huntington Bank {$980.00} in overdraft. I stated I havent had Huntington this is fraud. He said when I am served the papers that it will tell me how to dispute. 
I was never served time and day he said they would be there. 
I called him back like Im concerned because I know its Fraud and I wanted details of fraud. Why was I never contacted in mail and now its going to court. 
He said he was XXXX XXXX department and the collection agency wouldnt have my current address. 
He lost his temper really fast when I tried to get documents on this debt. 
He yelled at me and said Do I need to spell this out for you and when I said Yes. 
He Yelled good luck in Court and hung up. 
I contacted my local Court and there are no pending papers to serve me and no documentation of this civil suit or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Was unable to log in to make a payment. Was directed to customer service who took down the wrong information or just completely mishandled the concern. They attempted to take money from the account for payment in full which should have been minimum due For XX/XX/XXXX. Therefore cause the payment to bounce when they decided to close my account on XX/XX/2022 with no notice. I found out account was closed by 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 2022-08-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$230.00} U S DEPT OF EDXXXX XXXX XXXX {$4200.00} U S DEPT OF EDXXXX XXXX XXXX {$650.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2200.00}

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