vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.

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 2021-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXXReference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.

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 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX released my information to Franklin Collection Services for the amount of {$110.00} and {$550.00} on XXXX XXXX. I wasn't notified by XXXX XXXX XXXX XXXX that I owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX I was asked to apply for a Kohl 's account when I made a purchase at their store. I completed the application with the cashier and she issued me with an approved Credit Card number. I phoned the bank the next day and was able to change the mailing address from XXXX ( from my Drivers License ) to our XXXX  residence so the card would be mailed here. I received the card on XXXX XXXX. On XXXX I received a letter from Kohl 's stating they had " identified activity on my account that was uncharacteristic of my normal shopping patterns '' and that they were " unable to contact me by phone '' to confirm that I authorized said activity. I phoned and spoke to them. They claimed they needed me to prove I was me by sending them tax forms, utility bills and another form of identification. I have established credit in the United States with my bank, Visa credit and another Department store credit card. My credit score in XXXX regularly makes me eligible for offers of more and higher credit limits. I resented the fact that this was required despite my never having actually used the card and confirming with them that there was in fact zero " activity '' on my account. I spoke to the Supervisor who confirmed that they had " lied '' about the reasons they needed more information. I followed up with the Customer Service department by email on XX/XX/XXXX. They responded with an apology on the XXXX.Now I receive another letter today ( XXXX ) stating that again, they have " observed activity on my account indicating that it is not being used in a manner consistent with the terms of the account agreement. ". Again, I have not used the card and there is no activity on the account. I feel I am being unfairly bullied by the Kohl 's Customer Service Contact Center. I have not once been contacted by the Credit Department at Capitol One Bank ( the issuer ). Why would a major corporation lie about account use if they just need more information about the account holder? This an untenable way to treat consumers and their credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Repeated ph calls rude when i answer them telling me shut up when I ask questions I spoke to a XXXX XXXX Caller ID Central Prtfl. Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, responding to an online promotion, I opened a Bank of America, XXXX XXXX co-branded credit card. The promotion promised XXXX miles and a {$200.00} statement credit after initial {$2000.00} spending. On XX/XX/XXXX, I phone B of A and confirmed the terms of the offer. By the following week, I had met the spending requirement. When the credit did not appear on my XXXX statement, I phoned on XXXX XXXX. Spoke with a man named XXXX XXXX from the B of A " executive response team, '' phone XXXX. He confirmed the terms of the offer, said I was to receive the credit within 8 to 12 weeks but that it usually does not take that long. The credit did not show up on my statement in XXXX. In repeated phone calls since then, I have not been able to get the bank to confirm when the credit would post and, in fact, in one call, I was told there was no such offer. I can provide the web pages from both before and after I got the card as evidence of the offer. I am stunned that I am having to go through so many hoops, but nonetheless, all I want is for B of A to fulfill its offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was affected by the Covid-19 with my XXXX  XXXX  job about XX/XX/2020. I worked for XXXX XXXX and was let go in XX/XX/2020. I went back to work part time at XXXX  after taking a leave of absence for mental health reasons. I did return to the XXXX  XXXX  for two weeks all to be sent home on FMLA for XX/XX/XXXX not functioning safely doing the job I do. When I came off of relief from TD Auto Finanace I thought I would be fine until I found out I was going to need unexpectedXX/XX/XXXX. After having XX/XX/XXXXXXXX I went in for a emergency XX/XX/XXXXthat I had complaication from a previous XXXX. Every time TD Auto would call I would say hello and the phone would hang up. So finally I spoke with someone after I returned again to XXXX part time and I told the young lady on XX/XX/2020 that I will be making a payment on XX/XX/2020 when I received my paycheck from XXXX. She never mention I was in danger of my car being picked up. She only asked if I can make a payment. Well the order was put in for my car to be picked up on XX/XX/2020 and they picked it up on the XX/XX/2020. So they tow guy rode off with my kids XXXX gifts that was donated to us because I had no money this year for XXXX. I called to find out how much I need to get the car back. They said they are not willing to neogation with me in this time of need. But they want me to pay {$2800.00}. I am a single parent of XXXX. I have no help or money. I was not allowed to file for unemployment due to still being employed with the district. So I struggled for months with no money. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.

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 2021-01-05 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: IL

Complaint narrative:
I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXXXXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: IL

Complaint narrative:
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.

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 2021-01-05 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: LA

Complaint narrative:
I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XXXX but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.

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 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I received my stimulus check in their savings account. Credit Karma asked me to link my accounts to withdrawal. My account was having issues linking. So I contacted customer service. They escalated to emails because they could not figure out what was going on. After 24 hours after the initial email, I never got an update. I went back online and chatted with customer service again. Told them the urgency. They, again, directed me to email. This time, there were microdeposits in my account getting ready to link the accounts. Now that it is XX/XX/XXXX, I have tried to contact them 5-6 times through their chat. Every time, they have sent me to their email answering system because their lower level can not solve the issue. Every time, I get no response from their higher up team. 

Their partner for linking, XXXX, does say I am linked through their end with my bank account and Credit Karma. Credit Karma refuses to look into why their end is not showing that the accounts are linked. They keep blaming XXXX. But it is not XXXX  's fault but it is on Credit Karma 's end. 

Back in XXXX, when I went to withdrawal money, I had the same issue. Credit Karma transferred the money into the account after two days of trying to resolve the issue. Now, it feels like they are refusing to do that method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I have an auto loan with Ally Financial , Inc. 

My account was set up for an automatic payment. That payment was attempted on XX/XX/XXXX and was unsuccessful. 

I transferred money into that bank account, went to the Ally webpage and executed a " one-time '' payment of {$750.00} on XX/XX/XXXX. 

That payment was successfully processed and the money left my bank account. 

Ally attempted to extract {$750.00} again on XX/XX/XXXX despite having already been paid. That transaction was returned for insufficient funds as I had already paid the car note on XXXX XXXX. XXXX charged me two separate fees of {$29.00} for two failed transactions. 

For some reason, the payment that left my account on XX/XX/XXXX has not been credited to my account. I called Ally and spoke with customer service on XX/XX/XXXX and was unable to resolve the matter with Ally ( please refer to their recording of the conversation ). 

I called my bank, XXXX on XX/XX/XXXX after speaking with Ally and initiated a dispute. XXXX verified {$750.00} left my account on XX/XX/XXXX and went to Ally. XXXX returned the two charges of {$29.00} for insufficient funds and was to provide Ally with proof the payment left my account. I had XXXX put a stop on Ally to prevent them from executing any additional attempts at automated withdrawals and I went to the Ally webpage and turned off my automated payment. 

Ally called me yesterday, XX/XX/XXXX, and asked me to make an overdue payment ( please refer to their recording of the call ). I again explained the circumstances. The Ally representative asked that I upload a screen capture of my bank account and that image is attached to this message. 

I uploaded the screenshot showing the successful payment from my bank to Ally and attached it to an email I sent them via their customer webpage. 

The facts are I paid Ally {$750.00} on XX/XX/XXXX. XXXX bank verified that money left my account and went to Ally. Despite this, Ally failed to properly credit my account and continued to attempt payment withdrawals from my bank account, charged me late fees initiated adverse credit reporting. 

This is a failure on Ally 's end. I executed a payment and that money left my account and went to Ally and Ally failed to properly credit my account. 

I have attached a screen capture of my bank account with XXXX showing the payment to Ally being successfully processed on XX/XX/2020 and a capture of my bank statement also showing the payment to Ally being successfully processed on XX/XX/2020.

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 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: AZ

Complaint narrative:
I sent letters each month from XXXX  2020-XXXX  2020 to XXXX, TransUnion, and XXXX  disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XXXX  has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help 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 2021-01-05 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: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFBP HAS FAILED ME FOR THE PAST 3 MONTHS. NOTHING SETTLED WITH TD BANK. I filed 3 previous complaints for same issue. Never received my {$2500.00} for a closed acct back in XX/XX/XXXX!!. They refuse to send the check. They tell the CFBP that they are taking care of it and then the CFPB thinks all is well. I refuse to go to a branch 12 miles from here due to having XXXX  and must stay at home!! Emails and phone calls are never returned. The hold time on the phone is crazy and emails state to call!!. At wits end with this bank. They first said they sent an ACH to acct I sent in the original money from to TD. XXXX XXXX never got it and said it never came in. 2 months wasted. Last month they told CFPB that they are mailing check to my address. NEVER Received. We verified address and XXXX acct numbers also .CAN THE CFPB DO SOMETHING INSTEAD OF JUST SENDING COMPLAINT TO TD BANK AND ASSUMING ITS TAKEN CARE OF?? I WANT A CHECK VIA XXXX NEXT DAY. 4 MONTHS TO WAIT FOR MY MONEY??? HERE IS A COPY OF COMPLAINT FROM LAST MONTH, 3RD COMPLAINT MADE TO CFPB ABOUT SAME ISSUE. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the XXXX biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with explanation