vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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 sent a dispute letter on XX/XX/2020 to Equifax regarding late payments to XXXX XXXX stating that I had 8 late payments. This information is untrue and inaccurate. I asked Equifax to investigate this problem for me. Not only have they not completed the investigation within the 30 day window, but I have not yet heard a response from them regarding this account. Please have them to delete this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: AE

Complaint narrative:
My husbands 's salary is set to direct deposit ( {$3400.00} ) to my personal Revolut XXXX  checking account has been " pending. '' They are hassling me about the source and purpose of this money. I supplied the last 3 earnings statements and they are still withholding this deposit. 
Money was to be deposited XX/XX/2020. They do not appear to be in any rush to solve my problem ( not solved as of the writing of this complaint ). The money has not been unfrozen - and they do not want the direct depositing of his salary to my account ( Revolut does not offer joint accounts - that is why he is not listed on the account ).

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 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from XXXX XXXX. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a pre-approve credit card with Capital One and was advised by them that the pre-approval would be applied to my credit report as a soft credit card inquiry and not a hard inquiry which should up right away after applying so I contact the company again and was told that they were not sure why the hard inquiry applied and it was nothing they could do to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I attempted to finance a vehicle. Prior to getting pre-approval, I had worked with a credit agency to have numerous inaccuracies corrected. That was successful. When I went to finance the vehicle, the underwriter informed me there was an alert on my credit report for Experian ONLY. The alert was for a telephone number. The process as I was told from the underwriter should be easy. It was anything but easy. After being disconnected 2 times, on hold for over 20 minutes, the representative could barely speak English and kept telling me I had to send in documents. What documents? A drivers license? Because getting verified through Experians automated system and then again with the representative wasnt enough. Experian had the same drivers license on file, along with my correct mailing address and phone number because that information is listed on their credit report from just 6 months ago. NOW theres an alert? I resent the drivers license. The alert is still on their System. Experian refuses to remove the alert and Im making no progress with these power tripping people who can barely speak English. I need help. Ive given them the document they asked for and they refused to remove the alert. I can not conduct any financial business with that alert still on there. I also spoke with a Experian supervisor who was extremely dismissive, rude and unhelpful.

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 2020-06-01 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
JC Penny incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/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 2020-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I cant able to link my bank account in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/1932 charges i will attatch the papers from the declaration of fraud that i filled out ... i attatched also the denial letter. also made police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: OH

Complaint narrative:
XXXX XXXX incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was trying to access my account to unfreeze my credit on XX/XX/30, they were closed so I was unable to access my account to buy a car that day however they were open to businesses. 

Monday XXXX I spoke to one agent who said she could not unfreeze it with my information ( social, name, address ) but could send me an email with a temporary password. That was a lie, another person said it would take up to a week to get one through the mail. I need my credit unlocked immediately. They can not help me. I went through their questions to get to my account related to my credit and they said they are wrong when I have my credit report in front of me and I KNOW they are not wrong. This company is so poorly run I am surprised they can be given access to our credit reports but I understand why they have credit breaches.

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 2020-06-01 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: KY

Complaint narrative:
I am submitting this dispute because Experian credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ). This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

" As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' Copies of correspondence and certified mail time stamps are attached to this complaint.

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 2020-06-01 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: PNC Bank N.A.
State: MD

Complaint narrative:
I cant link my bank to my digit account to access my funds. I feel robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has a predatory policy of requiring accountholders to wait 24 hours after any transaction has posted to the checking account prior to closing the account. This policy generates fee income for the bank, harms consumers, and is not consistent with the policy of other large financial institutions. I can walk into any competitor 's banking center, bring the account to a {$0.00} balance, and close the account on demand. I have repeatedly contacted USAA to close my account since XX/XX/XXXX. I was told initially that the account could not be closed on XX/XX/XXXX because there is a 5 day required waiting period after any direct deposit posts to the account. Two NSF fees hit the account on XX/XX/XXXX and I transferred funds to bring the account to a XXXX  balance. Stop payments were supposed to have been placed so that any retry would be denied. I requested to close account on XX/XX/XXXX and again on XX/XX/XXXX, both days the account had a XXXX  balance. The representative again refused to close the account since " it has not been 24 hours since your deposit to bring the account to a XXXX  balance has been made. '' I have spent hours on the phone with USAA customer service and spoke to a supervisor, XXXX, on XX/XX/XXXX. I expressed concern with the policy that harms consumers and continues to generate fees for the bank, and XXXX stated " there is not even a button that allows me to close the account. '' I offered to drive from XXXX to XXXX XXXX to close the account in person. Again, I was told you can't close the account in person either. XXXX said he could see a returned item coming through the account and would wait until the next morning to refund the NSF fee and call me by XXXX XXXX on XX/XX/XXXX to confirm that he had completed the transaction. He did not follow through, and I called again to speak to a manager on XX/XX/XXXX. I was promised that a " supervisor '' would call me back. No one has called. USAA has failed to act in good faith, and hides behind the veil of the call center - not allowing customers to contact managers/bank officers with any meaningful authority. USAA even sent their own payments back through the account a second time for an insurance policy that had been paid in full ( valuable personal property ). Stop payments are not honored and more fees are assessed. This type of behavior led to a class action settlement in XXXX. I have been a customer for 12 years with no problems and have a credit score of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have repeatedly entered all required/prudent information but have been denied by statement information not found when attempting to replace freeze on my account. 
This was attempted today XX/XX/2020. 
This freze was implemented on or about 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 2020-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. 
All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from Synchrony Bank. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.

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 2020-06-01 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: NC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 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

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 2020-06-01 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: NC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 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

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax continues to report a mailing address that does not and has not ever belonged to me nor have I ever resided or received mail at that address. Equifax has sent mail correspondence alleging to have deleted the erroneous address yet, when I check my Equifax consumer report the address is still listed ( see document titled " XXXX XXXX - Equifax Address Dispute Results - XXXX XXXX '' ). I have provided my proof of identity to Equifax on several occasions as well which clearly shows my current address. My North Carolina Driver 's License displays my current and only address since moving to XXXX, North Carolina in XX/XX/2010 ( see document titled " XXXX XXXX - Proof of Identity '' ). I have also included a screen capture of the personal information section in the Equifax Online dispute portal ( see document titled " XXXX XXXX - Equifax Dispute Screen Capture '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
My girlfriend is XXXX and recently had XXXX my son recently left for the XXXX and I was recently laid off.

Company response to consumer: Closed with explanation