vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc.
State: CA

Complaint narrative:
N26 bank has frozen my account with about {$17000.00} on it. Nobody in the bank can provide any information or timeline, it has been 3 weeks and this is causing severe consequences as this is a significant portion of my funds. 

I've opened an account in the beginning of XXXX following identity verification. I have received a paycheck and relocation allowance from my employer who is a large tech company. After attempting an ACH transfer to my linked external account with XXXX ( in my name ), the bank has declined this operation and has frozen my account without notice. 

I've spent countless hours on the phone offering to provide any documentation regarding transactions, but they would not request anything, not provide any timelines on when I might be able to use my money again. There is no one I can speak to regarding this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Account System Inc. is reporting a collection account in my credit report that was paid on-time to XXXX XXXX XXXX the original owner. The account was paid with a XXXX  XXXX XXXX check # XXXX. This check was sent to XXXX  XXXX XXXX on XX/XX/2019. They cashed the check with a XXXX XXXX  account XXXX. I have made several dispute with XXXX  and the account was get updated as paid, however this account doesn't belong to me since it was paid on-time to the original owner. I have sent letters to Eastern Account System Inc. demanding that they remove the inaccurate from XXXX credit report but nothing has been done. They have remove the inaccurate reporting on XXXX  and XXXX, but not on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX XXXX ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM. 
I experienced this situation over the last 2 years since I have been using their mobile app. 
On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware. 
I asked to have the fees reversed and they were not willing to do that. 
I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This Southwest Credit Systems in the amount of {$110.00} IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax website will not allow me to see my information nor remove the credit freeze from my Equifax profile. 

Equifax asked me several questions which I had answered all but 1. The last question was " what was the exact date that you had placed your credit freeze and fraud alert? '' I do not recall the exact date and I had provided the year. They are saying that isn't enough, regardless of answering all of the personal questions correctly. 


I have been trying to resolve this issue for 3 months and I had mailed the requested documents to Equifax at the address provided from them in XXXX and XXXX. The requested information is attached which is my social security card, ID, and proof of address. 

No one at equifax will help me nor do they know where the documents went. 

My identity had been stolen and used several times before, and sending my social security card to companies are more than likely the reason why. 

Names keep appearing on my social security number and from Equifax as parties unknown had used my social security number since the early 1990s. I have experienced multiple issues with this and suffered financial hardship in becoming a constant victim of fraud. 

I have used FTC, local law enforcement, and various ID theft prevention services with no positive outcome due to my social security number being compromised in connection with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: FC HoldCo LLC
State: MI

Complaint narrative:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

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 2020-05-06 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

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 2020-05-06 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Fraud going on with my credit Improper use of my credit. 
I have no authorization to the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$520.00} XXXX  XXXX {$100.00} XXXX  XXXX {$59.00} XXXX  XXXX {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax and XXXX should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
Fraud going on with my credit Improper use of my credit. 
I have no authorization to the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a CFPB complaint yesterday and an earlier complaint both alleging that BBVA had breached its Lender Agreement with the SBA in how it mishandled the processing of PPP loans under the Cares Act. Specifically, BBVA representatives acknowledged to me that the bank did not have the manpower to process the volume of applications but was not hiring new employees and that I had been told in one recorded phone call that I possess a copy of that BBVA was " not actually '' processing applications in the order they were received, which they outwardly claim they do. 

Miraculously, after sending this complaint to the legal department I 1. had my loan approved the very next day after last being told by a XXXX XXXX the day before that she wasn't even sure the loan had documents yet. and 2. was told that my account was being closed. The flimsy excuse BBVA used for closing my account was " harassment, '' a term which California law defines as : " Unlawful violence, like assault or battery or stalking, OR. A credible threat of violence, AND. The violence or threats seriously scare, annoy, or harass someone and there is no valid reason for it. '' The reason for my repeated phone calls, emails, and voicemails could not have been more valid. The health of my business was one the line, and other people I work with own nearly identical S-corps whose PPP loans were funded within a week or two of their application. My  application has been outstanding for nearly one month, and XXXX XXXX and XXXX XXXX told me repeatedly that they did not have any timeline whatsoever for my loan application. Of course I called repeatedly. 

The decision to suddenly close my account during this pandemic will cost my business thousands. I will need to pay an outside accountant to correspond with BBVA regarding the forgiveness of the loan, and I will need to endanger my health to go to a competing bank and open an account.

The closure of this account is clearly retaliatory and is BBVA trying to pull focus from the true crime here -- their gross negligence in how they've processed the PPP loans of hardworking small businesses. Despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
payments was affected due to COVID-19. Chase Auto reported 60 days late on credit report for month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We have a safety deposit box in the Bank of America XXXX MA branch on XXXX XXXX. We were not notified of the branches closure and we can not gain access to our safe deposit box which contains our car title and our money. We have sold the car. It is going up for auction tomorrow and we need to produce the title today. We have tried to get a hold of someone all week and have not even received a response. We will be responsible for the cost of the car if we can not produce the title. We also have funds in our safe deposit box that we need access to and Bank of America is not allowing access to our money. Their email box is full when we try to email. nobody returns our messages.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2020-05-06 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: TX

Complaint narrative:
I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
l 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.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX  and Transunion should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I did not authorize anyone employed by FACTUAL DATA ANY OTHER COMPANY, and including the XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan Managment Services will not provide an assignment document for my refinance with XXXX   XXXX. They were contacted 9 weeks ago, on XX/XX/XXXX, and i have written and called numerous times. I am paying an over market interest rate and have to believe at this point that Rushmore benefits from the delay in some way. The service on the phone is very poor with extended delays in connecting and getting someone to actually work on this.

Company response to consumer: Closed with explanation