vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hard Credit Inquiries, XXXX XXXX XXXX telephone company did unauthorized Credit Inquiry, XX/XX/2020, I was no where and did not apply for Credit, I use XXXX XXXX, and have no intention to change, also on my credit report from Equifax there is no contact information, no location, Phone number or person listed, this is a bit of a concern! I would like it removed but without contact information I have no way to get it corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On Thursday XX/XX/2020 I mailed a letter to Equifax Information Services LLC to remove the errors on my XXXX XXXX XXXX XXXX  account. 

I informed Equifax that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Equifax that my account is not past due and there are no missed payment on this account. 

I further requested that Equifax correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Equifax has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I can not link my PNC bank account to other services digitally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AL

Complaint narrative:
On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Equifax credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # : XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection again. XX/XX/2020 I disputed the same 3 collections with Equifax again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from Equifax in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Equifax was able to verify these accounts? contacting the cfpb to see if they can get Equifax to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The Comenity Bank is reporting a unknown amount for an alleged amount of {$480.00}. I am not aware nor was I given note of this amount. Furthermore, the company continues to reage this debt so that it remains on my credit report. The account is more than 7 years old, I have not made contact with the company since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2020 I tried to withdraw {$80.00} to buy my children groceries but my account with all my money was locked without notice. Cash app has no phone number or customer service representatives to speak to. After emailing them over 48 times they finally responded on XXXX XXXX : Hello, My name is XXXX with Cash Support.

At this moment, we still have not receive the requested documents. 

To begin our investigation, please provide documentation for each unemployment deposit received. This will speed up our investigation and assist with determining the next steps. 

Failure to provide the requested information will affect the outcome of your claim. 

Please submit the following : State documentation verifying the source of funds ( i.e. Notice Of Monetary Determination Letter ) Previous paycheck or direct deposit statement from the same employer Copy of government ID ( Drivers License, State ID card, Passport, or similar ID ) in the recipient 's name of the unemployment deposit Any other documentation to verify the source of funds Copy of your government ID ( Drivers License, State ID card, Passport, or similar ID ) THIS IS UNACCEPTABLE!!!!! I didnt feel comfortable sending in all my information to a random company that already hijacked my account but I sent in my info anyway. 

It is now XXXX XXXX and I still have not received a response, a cashiers check, nor is my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not owe any debts to any person or company, but starting on XXXX! I began receiving several calls a day, which I didn't answer, from these two numbers : XXXX and XXXX. I XXXX them both and found they belong to Midland Credit Management and that there were many, many complaints online about repeated harassing phone calls from this company. 
Today yet more calls came so I decided to answer, from the XXXX number. A recorded woman 's voice said to hold for a call for me, and then a Spanish-speaking woman came on asking for " XXXX '' or " XXXX. '' I said nothing and I don't know anyone by either of those names. I understood that she was telling someone in XXXX that there was someone on her line ( me ) saying nothing. I finally hung up. 
I want these calls to stop ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CO

Complaint narrative:
Last year my wife received XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. We paid our insurance co-pay and the bills that showed up afterwards. A couple of months ago my wife noticed a negative filing on her credit report from a " IC Systems '' and when we call the phone number it tell us the switchboard is down. Just in XX/XX/2020, they open 7 new negative accounts over 1 bill. They have called her office over a hundred times this year. They spoofed our office number on these occasions ( just in XX/XX/XXXX ). 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX When the calls are answered there is never anyone on the line. This ties up office resources. In the past 90 days they have made the below calls and it is always a dead phone line. 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX PM IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Now my wife 's credit is destroyed and there is no way to contact these people. We have never received a statement from these people or a call on our personal phones. Why are they allowed to ruin people 's lives, especially during the COVID-19 epidemic??

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 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a continuation of XXXX. 
No resulution yet. 
I ask that this complaint not be closed until I recieve my funds back. 
SunTrust took 12 days from the original complaint to ask for a HoldHarmless letter and a copy of the police report. Both of those were sent XX/XX/2020 to SunTrust. No one at SunTrust is taking my calls. I have left multiple phone messages and have not recieved a call back. 
My {$17000.00} bank wire transfer from XX/XX/2020 has yet to be returned to me. 
There is a fraud issue at SunTrust. 
The reply from SunTrust must address this.

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 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed by an XXXX user and phone # XXXX XXXX XXXX ( XXXX  id ). He told me to do the transaction via zelle instead of XXXX. It was XXXX ( XXXX watch ) + XXXX ( shipping ). 
I grilled him with all the right questions including showing the prof of the watch and so forth. At the end he pushed me to make the payment an promised to ship the item within 2 hours. Instead, he just vanished. 

I have documented everything! 

This should be an easy case to close it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AL

Complaint narrative:
On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the TransUnion credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection. XX/XX/2020 I disputed the same3 collections with TransUnion again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from TransUnion in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that TransUnion was able to verify these accounts? contacting the cfpb to see if they can get TransUnion to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks

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 2020-06-04 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: NJ

Complaint narrative:
On Thursday XX/XX/2020 I mailed a letter to Experian requesting to remove all errors on my XXXX XXXX XXXX XXXX  account. 

I informed Experian that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Experian that my account is not past due and there are no missed payment on this account. 

I further requested that Experian correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Experian has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws

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 2020-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I am customer of Capital One in XXXX of 2020 I received the Quick Silver Visa card. A number of months prior to applying for the credit card I received a number of pre-approval mailings stating that I would have 0 % interest for one year. Since I've had the card until XX/XX/2020 I've had zero interest, XXXX would mark my 10th month having the card. Suddenly, on the late XXXX statement I had a 22 % APR which I had expected to come a few months later. Additionally my minimum payment was three times the amount I would normally pay while my balance was less than the previous month. I called capital One XX/XX/2020 and was on the line with customer service agents the first hung up on me then switched me to another agent after over an hour. The the next agent said that my promotion was for nine months. I told them that was not in the literature I received and asked them to send a copy but they refused. I called today XX/XX/2020 and spoke to one very nice agent and he said my 0 percent APR was based on the date of one of the promo mailings that was sent to me. I asked for a interest waiver he refused. I then asked to have the issue escalated, the next person manager didn't seem to be privy to my situation. I asked for documentation of the 0 % down promo based on the date of a mailing and she said no she would not give me that information and that I should have that information but told her I did not.I thought I discarded all information but found my welcome packet and that was not included. In the midst of a pandemic one would think that a financial institution would aim to be transparent and helpful.I explained to all agents that I now have new financial challenges and receiving the additional interest was unexpected and burdensome. This practice is predatory and misleading and the fact they refuse to send me a copy of the disclosure regarding the promotional offer of a limited APR is extremely suspicious and problematic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX, XXXX first showed up on credit report last year. Called to take care of it with Health provider and insurance directly. They said I did not owe the amount and that the above Medical Provider was making false claims. 

It is now showing back up on my XXXX Report only as being reported on XX/XX/2020 with collection company GLA Collection Co., XXXX, KY. 
This matter started last year, why has it reappeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2020, as authorized by Section 4022 of the Coronavirus Aid, Relief, and Economic Security Act ( the Act ), I requested a forbearance request of mortgage payments for the next 180 days. 

As stated in this act, upon receiving a request for forbearance from a borrower under subsection ( b ), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened. The forbearance shall be granted with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance ... 

However, when I heard back from my mortgage company they only granted me a 90 day forbearance and not the full 180 days as stated in the above mentioned act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I can no longer link my PNC bank account debit card with the XXXX investing program. I have been using XXXX  with PNC for a year and having my purchases through PNC rounded up to the next dollar and that difference invested in my XXXX  account. At the beginning of 2020 this card link was terminated. I have tried numerous times to re-establish this link but PNC will not allow the link. I have communicated eith PNC and have not been provided with a reasonable explanation..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to confirm that I have authorization to use my accounts and the money in them for the company XXXX. I am trying to rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NV

Complaint narrative:
XXXX XXXX XXXX has deleted XX/XX/XX/XX/XXXX delinquencies on XX/XX/20.  Updated information was then sent to Experian to update credit report. They have yet to update. Disputed on XX/XX/20 with provided documentation from XXXX XXXX XXXX and still has not been updated. Disputed again on XX/XX/20 per Experians advise, uploaded letter from XXXX XXXX XXXX and Experian resolves dispute saying that the information is correct. We have a letter from XXXX XXXX stating they removed the delinquencies! XXXX XXXX has gone beyond what is expected and has been great. Experian on the other hand needs to do their protocols correctly.

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 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I never received papers before the judgement.i was never contacted about the debt. I was never served!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NY

Complaint narrative:
I sent a letter to Experian over 60 days ago on XX/XX/2020 for an inaccurate account on my credit report. They are non compliant and have failed to remove information that was affiliated with personal details that were challenged in the past. They never sent me any response and are in violation of the Fair Credit Reporting Act. I have attached the letter I sent 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