vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Confirmation Number : XXXX I am tired of getting the same response : Information doesn't match our records, YET, the only information that I put into the online systems is from the report they send that's evidenced by the confirmation number ( Equifax Confirmation Number : XXXX ) Please fix this ERROR, if you want me to submit a dispute online, fix it to where I can get access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. 

Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. 

I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. 

The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.

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 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I  will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.

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 2018-07-17 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: TN

Complaint narrative:
XX/XX/2018 I requested LexisNexis ( LN ) investigate negative information reported by the US Bankruptcy Court in the file maintained by my social security number. I challenged the accuracy, compliance and reportability of this listing. I sent a certified letter to LN. LN received the letter on XX/XX/2018. XX/XX/2018 LN responded to the letter stating to date we have not received a response to the dispute from XXXX, XXXX and XXXX. XX/XX/2018 I requested that LN update the letter stating that the information have been deleted or confirm that it is not in their data bankruptcy. The credit bureaus did not respond. LN did not correct or delete the information. XX/XX/2018 , LN responded with a resolution letter stating that bankruptcy case number XXXX is accurately reporting. 
LN is reporting a Chapter XXXX beyond 7 years of the filing date. 
LN is reporting my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and my social security number is XXXX. I am requesting that LN delete all names and addresses associated with the names and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Navy federal Credit union has been reporting for almost 2 years the following account : XXXX, {$500.00} credit limit, {$270.00} Delinquent Balance, open XX/XX/2013. I'm listed as an authorize user, on my XXXX  Credit report. It has been verified as my account for about a year, when I finally contacted Navy fcu, on XX/XX/XXXX, and spoke to XXXX. The had difficulty locating the account ( I do not have any open accounts ), and ask me quite a bit of my personal information which I didn't feel comfortable giving. They informed me its not my account, I'm listed as authorize user, and that I had to submit a fraud Claim with them to get it remove from XXXX. XXXX informed me they would contact me after they complete a 90 day investigation. No correspondence whatsoever, and they continue to verify it when I dispute it. Even worse in XX/XX/XXXX or XX/XX/XXXX of this year, they made the late payment history more extensive, by literally adding an extra year of late payments which cause my score to drop a 100 points. They are directly responsible for me not being able to use my credit, and only getting approved for {$1000.00} limit credit card. This is abuse of reporting at its finest, and worst of all XXXX  constantly refused to delete this item, even when I clearly showed them it was not mine and what they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
This morning XX/XX/2018 at XXXX I received an email notification that my loan payment would be changing, an increase. Im set up with auto draft. Well 22 minutes later, at XXXX, I received my email for receipt of payment reflecting of the increase. I was charged {$540.00} instead of the normal {$390.00} without a real notice. They said changes would reflect in XX/XX/XXXX but they started today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
I deposit my payroll check via KeyBank mobile app on Thursday, XX/XX/XXXX. On Friday, XX/XX/2018, I learned that my payroll deposit was placed on a 7 day hold. Now, KeyBank is charging me over draft fee ( s ) when in fact they have my mobile deposit.

I have tried to resolve this issue with KeyBank Customer service, Bank branch teller & manager, Mobile department, and their Executive office. No one seems to be able to tell me why the hold was placed on my deposit or remove the hold. I was told that I will be contacted in 1 to 2 business days and I have not been. This is very concerning to me as there is a staffing issue to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my card due to the BANK RETURNING THE PAYMENT BECAUSE THEY THOUGHT IT WAS FRAUD!!! I told them this months ago when I had two returned payments and no one warned me at all that on the third return payment they would close it. I can provide proof that it wasnt my fault! Ive never missed a payment on this account ever! I either want. New card opened or I want my money back. I live alone and Im a single parent I cant afford to just lose that money! I cant believe they treat their customers like this smh

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am uploading a copy of a letter I received from experian credit reporting agency in regards to information that is fraudulent and reporting on my credit report. I have disputed this account numerous times and keep getting the same response. I did not make these fraudulent charges and should not be held responsible. It is also damaging my credit score and credit worthiness having this account on my report. Today they send me this letter stating unless I have additional information they will not re-investigate this for me. It is my right to have this investigation done as many times as I need it done untill it is confirmed I did not do these charges. XXXX  did an investigation and it came back to remove off my report. Experian has no right to tell me they wont investigate again

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 2018-07-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Mortgage was closed 9 years ago and is still reporting on 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 non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
on XX/XX/XXXX i noticed 2 purchases on my pnc card i did not make i was not in NJ, do not go to those stores and my card was at home locked up while i was in texas i called on 7-8 and to this minute the charges still appear on my card ending XXXX  in amounts that are clearly suspicious please get back to remove them i am not paying them i did not make purchases. i am tired of red tape

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: PA

Complaint narrative:
Mortgage was closed 9 years ago and is still reporting on 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 2018-07-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Mortgage was closed 9 years ago and is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: PA

Complaint narrative:
Mortgage was closed 9 years ago and is still reporting on 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 non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Paid charge off and have proof. On XX/XX/XXXX shows finally XXXX account was paid off on my credit report. Now on XX/XX/XXXX. They put it back as a charge off. This is incorrect information. I fought this since XX/XX/XXXX. Sent proof it was paid XXXX and credit companies finally put comments as paid and settled account paid charge off. Please correct comments back as it was on XX/XX/XXXX as paid and settled. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I feel like someone has access to my credit information because every bank institution I made an account for, eventually my account would go overdrawn and then just stop working. I never knew what was behind my information but it is very scary and inconvenient. Someone has been frauding my accounts for the past two years and it XXXX because now I cant use any banks right now because of my bad false consumer reports. 

On XX/XX/2017, my XXXX XXXX account got frauded and it definitely was not me. {$110.00} was took from me. 

I don't remember the exact date but it was around 2 months ago, my Bank of America account got frauded. Someone was depositing {$5000.00} checks into my account twice. Once I logged into online banking and saw {$10000.00} I went to the bank to ask them what was going on. By the time I arrived at the bank they said my account will be in foreclosure. I reeally need help with trying to open up an account. It is really depressing my credit score, reports are messed up and it is affecting my life negatively. Can you please help 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 2018-07-17 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: Lendmark Financial Services
State: NC

Complaint narrative:
I am writing to file a complaint on Lendmark Financial Services. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX Lendmark Financial Services Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XX/XX/XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was Lendmark Finanical Services they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I paid off a medical bill last week to XXXX XXXX ( the only debt that I know of which I owe ). This week I started getting calls from another collection agency called Ability Recovery Services LLC. XXXX located in Pennsylvania. I tried calling them back this morning twice and the call will not go through. I called a friend right after to confirm that my cellular service was working, and I can confirm that it was, so I have to assume that Ability Recovery Services LLC is not taking inbound calls and / or is a scam.

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 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
MONEYGRAM REFUSES TO ACKNOWLEDGE OUR CLAIMS THAT WE WERE VICTIMS OF A FRAUDSTERS TRIO WHERE IMPOSTERS POST ADS ON XXXX AND BAITS AND HOOKS VUCTIMS ARE THEN SENT TO XXXX   MONEY SERVICES AND DIRECT TO AGENT TO WIRE TRANSTER MONIES TO SCMMERS. 

XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO.

Company response to consumer: Closed with explanation