vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: NV

Complaint narrative:
I tried to contact all 3 credit bureaus on XXXX   XXXX   of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Service Bureau
State: MT

Complaint narrative:
In XXXX to XXXX I was receiving treatments for XXXX  XXXX  XXXX  XXXX at XXXX XXXX in XXXX MN. I had a XXXX  XXXX  XXXX  for XXXX and these treatments were called XXXX. The problems started when the billing department lumped these treatments into XXXX bill. I started receiving bills for {$37000.00} dollars. I had changed insurance after XXXX, my wife worked as a teacher and I was covered under her insurance, in XXXX the new policy went into effect. I gave this information to XXXX on my first visit for treatment after the new year and also on a subsequent visit when they photocopied my insurance card. Each time I received this bill I would either call billing or visit the desk in the XXXX XXXX in XXXX. Each time I was told something wasn't right and they would submit it for review. Eventually a lady called and said it was all cleared up and I no longer owed anything. I stopped receiving bills. However in early XXXX I received a call and a message that I needed to contact XXXX billing department. I did and they said I still owed them {$37000.00} and how would I like to pay it. I asked them to send me an itemized statement so I could review it. They did and this is when I noticed they had billed my previous insurance from XXXX instead of XXXX. I then called them back and alerted them to this. I also called the insurance company and they had received a claim for these services but it was past the XXXX year timely manner submission. They did however say an appeal could be made if XXXX wrote them a letter explaining why it wasn't submitted on time. I called XXXX and told them this but the lady said they weren't going to do this and there position was I wasn't covered under my insurance plan. I even hired a lawyer who sent them a letter saying I wasn't going to pay the bill because I had insurance at the time. He sent the letter to both the insurance company and XXXX XXXX. The clinic has canceled all my appointments and I am no longer able to go in for checkups or see my doctors. I was also informed my bill had been turned over to a collection agency.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-29 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: VA

Complaint narrative:
As of today, XXXX is continuing to report on my Equifax credit report XXXX student loans that were included in chapter XXXX bankruptcy in 2019 as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified XXXX and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in 2019. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & XXXX was obligated at that time to report a zero balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am trying to locate a C D and Money Market Account for my decreased mother, and my joint Bank America Account. 
The last statement I received was XX/XX/2007, from Bank Of America on XXXX XXXX and XXXX XXXX. XXXX, Georgia. 

I closed out her checking account with an Bank Of America Account Manager, after her death in 2007, and was not told about the CD or Money Market accounts. I have been going through old statement in my garage, and run across evidence of the CD and Money Market accounts. 
I contacted the local branch that my mother banked with, and was told that the account was too old to track, and was given the State unclaimed phone number. I contacted Unclaimed Property, and was told that if any funds reported they would still have the record. They confirmed no records found. 
Bank Of America have not been able to confirm with me what happened to the account or revenue. 

They have directed me to several Bank Of America Departments, including Estate Operations, and Escheated department, who stated that they have no record of the account being reported to their system, and if the account was closed it would have been procedure for them to have record of it. XXXX Escalated to a supervisor ) no results found. 
I was redirected again to Georgia unclaimed Property Internal Revenue, dor.georgia.gov. that they should have the records. As previously stated when I contacted Georgia Unclaimed Property I was informed that no such accounts have been reported under my Mother 's name, account numbers, social security number or mine and no evidence, of any such account being reported. I am filing this report with your office, looking for a resolution. 

Respectfully Thanks in advance for your help.

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 2020-07-29 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: NC

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}

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 2020-07-29 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: NC

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}

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 2020-07-29 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: ID Analytics, Inc.
State: OH

Complaint narrative:
After carefully reviewing my credit report I notice that there are addresses and unauthorized phone numbers on my report. I am requesting a security freeze on my report through XXXX XXXX, Sagestream and XXXX. My name should appear on my credit report as : XXXX XXXX XXXX. My current residing address is : XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses from my report and freeze my information Please delete the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXXXXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I opened a new checking account with Suntrust for the specific purpose of transferring funds from XXXX, the selling app, where I sell face masks that I sew myself. Since the pandemic I have donated over XXXX masks to Nurses and first responders, I sell masks to cover my expenses. 

On XX/XX/XXXX my first deposit was made, and between XXXX XXXX deposits were made into the suntrust account. 1 deposit of {$50.00} was from my checking account with another bank, which I used to open the account. The other 13 deposits were from XXXX. When my funds cleared from a sale on the app, I immediately transferred the funds. 

In total, I have {$500.00} in the Suntrust checking account. 

For 10 days I was unable to access the account online, it prompted me to reset my password multiple times. On XX/XX/XXXX I received a welcome letter from Suntrust with checks for my account. I have not received any other communication from Suntrust. 

On XX/XX/XXXX I called Suntrust for help with accessing my online account. They told me my account was being closed for suspected fraud due to an investigation and report from another past banking institution that I used years prior. They told me my funds were being held for a minimum of 30 days. 

I told them this was unacceptable. I am very upset. I need this money to recover my expenses from sewing face masks and pay my daycare provider on Monday for the upcoming month. They allowed me to open an account and had no communication in the 9 days my account was open regarding this issue or investigation. All I have done is deposit money from the Selling app from the sale of face masks. 

After escalating to a supervisor he gave me an address in TN where I could mail a complaint. They were no help. 

My issue is that they could have easily seen an issue in my past banking history ( 2+ years prior ) when approving me for an account. There is no money owed to any banking institution. Instead, they allowed me to open an account and make $ XXXX deposits in a 9 day period with no communication on a potential issue. I had to seek them out to get an answer on how to access my funds and am now am being told I have to wait at least 30 days to access my funds. 

I havent done anything wrong and will be unable to pay my daycare provider on Monday which means I will have no care for my child and will be unable to go to work. 

I want my money ASAP as I am being punished by a bank for their own oversight. 

See attachments for screen shots of my XXXX sellers account and the direct deposits sent to Suntrust from this account. Please remove my seller account photos from the report that you publish.

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 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
For months have tried to dispute with XXXX & NCA Collection agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( NCA ) other than a sending settlement payment arrangement and no response from XXXX, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I reached out to NewRez LLC ( XXXX XXXX ) to inquire about borrowers assistance for covid 19 related changes. The company never responded with options available. They automatically enrolled me into a forbearance program and cancelled my bi weekly automatic payments. I corrected the payments independently by calling in and making sure the drafts were completed. During that initial contact in XXXX i requested that plan be removed and auto draft reinstated. I never agreed to or signed a forbearance agreement. I have since contacted the mortgage company 3 additional times and they still have not corrected the issue. 
I recently applied for credit and was denied. Underwriting cited that my mortgage was not reporting to the credit report since XXXX. I disclosed the issue to that company and credit was denied. I believe this could violate FCRA for inaccurate disclosure of information. 
I would like to pursue a complaint against the company for negligence in the handling of my account and not seeking my approval before entering me into any agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I want to be able to transfer money from my PNC account to my XXXX account, and PNC will not let me link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Rep for Carringotn mortgage posted sale on door for XX/XX/2020! Asked for covid disaster relief, faxed in XX/XX/2020 and as you can see faxed XX/XX/2020 and XX/XX/XXXX but still foreclosure? Rep said on hold til XX/XX/2020 but a foreclosure for a XXXX XXXX loan! Was on unemployment just started back to work this month, i make XXXX  and hour now but need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello. 
I am finding that Transunion is having a lag in their credit reporting especially when it comes to properly reporting the credit available, credit account information, and when disputed it took them over 3 weeks to review but it's an ongoing issue. I don't have these issues with XXXX  and XXXX. Somehow, these two companies are showing updated information and proper reporting with 2-5 Business days while Transunion is reporting 3 weeks later.

Please reach out to the organization to inquire about their reporting practices and how long does it take updated information. 

Thank you, 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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: PA

Complaint narrative:
I moved from XXXX over 2 years ago and was never notified I had a bill that was pass due. From my knowledge I paid the last bill before I relocated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo merged their websites and I no longer have access to my account. I have tried on multiple occasions to resolve with them and they are requiring I go to a branch. There is no branch near me and I am not taking hours out of my day to fix their mistake. Everything worked fine until they changed their site. They need to fix this. This is why I no longer have checking or savings accounts with this awful bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation