vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: LendKey Technologies, Inc.
State: NC

Complaint narrative:
My student ( Loan ID XXXX ) serviced by LendKey Technologies and held by XXXX XXXX XXXX XXXX continues to show on my XXXX credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TN

Complaint narrative:
Back in XXXX a police report was filed due to identity theft and was sent to all 3 credit bureaus. 

XXXX Transunion removed inquiries and placed them back due to a glitch in their system I had to file a complaint with the CFBP Fast forward to XXXX after notifying Transunion of this fraud many years ago they continue to let it happen. I have asked them to remove inquiries that I have not applied and was basically told because they are over a year old have no baring on my credit report. I do not care how old they are they do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XX/XX/2020 Transfinancial XXXX This company continues to call, allow the telephone to ring twice and then disconnects. I'm not sure if it is a robo call or live representative. This is harrassing and it is really not an attempt to collect a debt. How if they are only allowing rings. By the time someone reaches the phone, they have disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Sent letter requesting verification to this company more than 6 months ago. Advised company this debt does not belong to me and to cease and desist reporting this negatively on my consumer finance reports and the companies continue to report the debt as negative on my reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I bank with PNC. They have restricted XXXX from linking my bank account. I depend on apps like these during this pandemic to help keep me afloat with payments and to emergency expenses. Apps like XXXX lend you between $ 75- {$600.00} until your next payday. Please allow this app to connect with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
well I paid the minimum balance due before the due date on XXXX XXXX the bill was due XXXX XXXX and for some reason Capital one buy back credit card reported to the credit bureaus my payment was late when I paid the minimum balance before the due date on XXXX XXXX the amount of {$60.00} and when I called to speak to a Rep and then there supervisor they stating I can not due that I've paid on this card before early and never ran into this problem before so this needs to be investigated because no where in the terms of conditions does it state if you pay your minimum balance early you won't be charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got a response from a so-called financial institution is reckless because not only they are not addressing the issues, they are not providing evidences that was requested, and they are just re-stating the evidences that I requested. Where are all the evidences requested? 
This is again a generic response to a serious and specific problem because in their response, the cited Section C 13. Which described the Duty to safeguard Account. However, this section specifically addressed everything related to CHECKS, ACCOUNT INFORMATION, PASSWORD ETC. In nowhere that section addresses fraudulent debit card transactions, lost or stolen debit card and identity theft. I see that people at this bank are just referencing policies that have nothing to do with this specific issue just to hide their lack of knowledge and incompetency. The bank itself is not bad, but the people ( from low level to high level position ) make this bank look XXXX! 
This is the last opportunity that I give to these people at that bank to use their common sense and resolve this issue before I take the matter in Court and to my US Senator who is a member of the Senate Committee on Banking. 
I will upload and fax the FTC identity theft report ( XX/XX/2020 ) since you have asked for some additional information without providing any evidences that were requested. Also, this FTC report was done right around the time that those unauthorized transactions were being performed. 
Again, if you do not comply with this request, I will immediately file a lawsuit against the bank because I do have and have presented concrete evidences unlike this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lincoln Financial Services
State: MA

Complaint narrative:
Lincoln Financial Services repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score XXXX point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score XXXX points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have money on my cash app card I've reached out to cash app about this problem and they stated to contact Unemployment I spoke with unemployment and they said that they can not retrieve the money and tell cash app to return the money back to unemployment which they have not done I can not reach cash app to resolve this issue they have lock my cash card and will not allow Me to get my money off My Cash Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XX/XX/2020 I contacted Kohls card services regrading an account that appeared on my credit reports, I have never had a Kohls charge account. The agent I spoke to could verify that I had an account but would not send me an debt verification information, past statements account application, ect. to my current address. She stated that she could only send the information to the address they had on file. She provided me with the city and I provided her with my address in that city but she said that was not the address they had on file. She said she could send me a verification code to update my address then she said she could not send a code. I verified with her that there was no other way for her to update my address and no way for her to send me verification of the debt. 
I have disputed this debt before with all three agencies and the only response I receive from them is the debt has been verified. Those communications go to my correct address but the information used to verify the debt is never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
my name is XXXX XXXX i am applying to a mortgage refinance for 4 properties with quicken loan and on one of the properties they are asking for full replacement cost for insurance which is unusual in that they are financing a loan for more amount on one of the properties. I have asked for clarification why this unusual request and no one will explain why. there is no other reason other than this property has money that is being taken out and still is under the 80 % amount that they are requesting. 

despite mul ; tiple attempts to speak to XXXX XXXX my primary contact at quicken and XXXX XXXX the person in charge for closing no one will explain this request and is holding up closing. I have been waiting for over 9 weeks. 

also i have requested to speak to management and i have not recieved any answer or any explanation as well. 


i dont know who else can help and something is not right bbut no one will explain this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
Sent letter to Transunion on XX/XX/2020 and XX/XX/2020 Document # XXXX and # XXXX. The letter requested the company verify the account listed, provide me with copies in their files as of XX/XX/2020 that were used to verify the accuracy of accounts Transunion has listed on my credit profile. Under fair credit reporting act, 15 U.S.C. 1681g I have the right to demand the disclosure of all documents they have recorded and retained in their file at the time of my request concerning these accounts. My request indicated for Transunion to remove the documents in their files if they did not have documentation as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
In response to my written request Transunion responded with a letter dated XX/XX/2020 indicating they were unable to process my request because they were not able to determine the nature of my request or my request was illegible. To investigate information contained in my credit report type or print account name and number and specify why i was disputing it ( for example, this is not my account, I have never paid late, etc ). 
The accounts I requested Transunion provide this information on are XXXX XXXX, Dept Ed/XXXXXXXX XXXX XXXX XXXX and 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 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I was repeatedly called from a XXXX number while engaged at workcausing a disturbance in the work place. From XXXX I am not authorized to answer my phone unless I am on breakwhich I was not until shortly after these calls in order to control the situation ; having to take a premature break time to address this. This was incredibly disruptive

Company response to consumer: Untimely response
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood app allowed scammers to spend money on a debit card I never received or used. These scammers made purchases in XXXX with XXXX  merchants, a country I never been before. I lost around {$700.00}, overdrafting the account and now Robinhood claims I am borrowing from margin for these fraudulent claims. Robinhood has no customer service to speak of and if you report these fraudulent charges, all you will get is a stock response in your e-mail claiming they will respond in some unknown time later. They have no phone number to call to confirm whether someone is even monitoring their fraud system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a account with Brandsmart  in XXXX XXXX XXXX Florida. I took advantage of their promotional offer to buy a refrigerator. They approved me for {$1100.00}. I bought the refrigerator and some items to install it. I have been paying more than the minimum payment and have never been late or missed a payment. I have had identity theft in the past so I keep my credit locked and monitored. Brandsmart offers their credit through synchrony bank which we know services many retail stores. When I was making my payment for this month I noticed my available credit was reduced. I check to see if I was charged in error for possibly fees or interest or maybe someone used my account without my knowledge. I found that they reduced my available credit due to what they say was a review of my credit and outstanding revolving debt. The only debt they would be able to see is what Synchrony services because my files are locked. I have both Sams Club credit and Brandsmart with Synchrony. Those cards carry higher balance due to Brandsmart offering promotional rates to payoff appliances and Sams Club is a food club. Im constantly using and paying for my house hold. They never notified me before hand and gave me the opportunity to pay off the balance before they made the changes that will drastically negatively impact my credit score and worthiness by no fault of my own. I have kept my end of the terms and agreements and they have not. Im outraged and financially impacted. They have affected my ability to negotiate other credit relationships terms and conditions and be eligible for lower rates Accross the board.

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