vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 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: MD

Complaint narrative:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and Transunion are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX be deleted from all credit bureaus!

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 2020-07-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and XXXX  are showing closed and Equifax us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. Experian and XXXX  are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!

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 2020-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper is holding {$3600.00} in tax funds due back to me. Ive spent hours on the phone and theyve yet to identify the location of these funds. They are dragging their feet and missing deadlines on resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
1 ) American express used a bait and switch deceptive marketing technique and increased fees from 0.2 % to 3600 %. More details : 2 ) They originally offered about 0.2 % fees for paying a charge over a 3 month period. For example, if I purchased a {$1000.00} appliance, I will only pay a total of {$1000.00} in total. This total is divided by 3 and paid as {$330.00} in 3 monthly installments with no other fees or interests. 
3 ) Later, from this month ( XX/XX/2020 ) onward they 'removed ' the 0.2 % fee and offered 36 times the original fee and a minimum of 9 months. That is, the same {$1000.00} appliance will cost {$1000.00} in total. They are also trying to circumvent the interest rate laws by calling both the ( 0.2 % and 3600 % ) charges as 'Plan fees '. 
4 ) I have attached screenshots of American Express Website to  corroborate all of my above statements, showing the following amounts along with my calculations as detailed below : 4a. Old Plan Fee/ Principal amount = ( XXXX ) * XXXX = 0.2016 %. 
4b. New Plan Fee / Principal amount = ( XXXX / XXXX ) * XXXX = 7.344 %. 
4c. Difference = XXXX = = XXXX times = 3642 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: SC

Complaint narrative:
Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 

10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please 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 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
We are an XXXX XXXX  and recently added PayPal to our site as a payment option. Within days we had over {$15000.00} of sales. Paypal put the entire amount on " hold : for supposed security concerns. We complied with all of their requests for information, e.g. shipping labels, receipts from our suppliers, ID etc. They started to release some of our funds after 7 days but continue to " hold '' new transactions. Currently they are using over {$5000.00} of our money. We made numerous attempts to contact PayPal by phone and were disconnected. None of our Help " messages '' were answered. PayPal is clearly taking the float on our money. Please let us know if there is any official action you can take on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
/Complaint against Equifax . Started on XX/XX/2020 to unfreeze my credit report to allow a mortgage broker to access my account for a re-financing of home mortgage. Used my password and user name created way back from the original Equifax Breach, when I froze my account. I have spent a week at their website and my original, very well documented password they say is innacurate. Then I tried the " need help with password, we'll email a link to re-set '' and never got an email after 20 attempts. They have many log in pages on the internet, many of which are dead and not retired. In many cases I kept getting " try again later '' which never worked. Some links don't lead to any pages or don't work at all. I called customer service and was told I had to mail all of my personal information to them. I do not wish to put all the documents that someone could use to steal my identity in an envelope, when I should be able to access my account that has been set up for years. I informed customer service of all the bad logins and bad links on their site and requested she let them know. She said I am not allowed to do that. So, I tried setting up a new account and was successful at getting in to my account only to find out that any link I clicked on to unfreeze my account lead a " try again '' or " this pages is not available now. Today XX/XX/2020 I get an email from them saying login and check your free credit report. I have been to the login page three times and attempted to log in and all I get is, " SORRY, TRY AGAIN LATER. Their website is a total mess and I am unable to unfreeze my account to apply for a lower mortgage rates. 
Back when they had the breach, they had the same issues with their site and service. 
It's deplorable that I can not access my acccount to apply for a mortgage. I am fairly sure that I am not the only one with this problem. Someone needs to go up the ladder at Equifax and let them know of these issues that are preventing us for getting access to our accounts to get a free credit report, or unfreeze our accounts. This is costing me time and money. From XX/XX/XXXX to XX/XX/XXXX and I still can not unfreeze my account This is a very serious situation that needs IMMEDIATE ATTENTION BY THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
seocnd time i called today and was cut off i want to dispute a XXXX dollar charge to XXXX XXXX from XXXX we got sick no one will help me XXXX has not responded. please dispute. we all got sick food bad. unemployed now 4 months dont need more stress. 
there is also supposed to be a credit of about XXXX dollars from XXXX i will be watching for. 
please dispute XXXX dollars from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I requested and was granted forbearance on my mortgage with XXXX XXXX XXXX. It is showing as delinquent on XX/XX/20 my credit report and my credit score has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been trying to connect my bank to " XXXX XXXX XXXX' in order to sign up for a rent payment plan, but every time I enter my information a notice comes up that says PNC has made a change that prevents you from connecting your account. I've tried contacting PNC but they don't seem to understand what I'm trying to do with the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX I purchased a home with a mortgage loan from Suntrust. At the time I open a credit card account. In mid/late XXXX my grandmother fell ill and I ended up relocating her from XXXX to live with me in the XXXX/XXXX area. I missed a few payments and SunTrust charged off my credit card. I reached out in XXXX and XXXX attempting to negotiate the account being re-opened so I could pay it and Suntrust declined. We were not able to negotiate any terms we both agreed to. Now, over ten years later, they are claiming the account was open on XX/XX/XXXX and became delinquent XX/XX/XXXX. Then they show the date of last payment as XX/XX/XXXX. I've disputed this information with the credit bureaus last month and they " verified '' that the information being reported is correct. I have not opened any other credit card with Suntrust since XXXX and since they refused to negotiate any reasonable way forward, I have not had any contact with them about that account since XXXX. I do have a mortgage account with them ( now Truist ). I need assistance resolving this matter. I have initiated another dispute with XXXX but in light of the fictitious information they provided for the first dispute, I don't expect them to provide correct information in this re-investigation. Can you please assist?

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 2020-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX shows 1 late pay. i have contacted them several times about this. i have never paid late. all my accounts are on time. i have auto draft come out of my checking account monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
in XX/XX/2017, i sent {$1700.00} to my friend through cashapp and she never received it and that amount was cut from my account with XXXX XXXX XXXX. When i contacted XXXX XXXX XXXX, they filed a claim and the came out with a result that cashapp said they pay out the money that was lie. the recipient printed out her bank statement for six months including XXXX no such amount was found in her account. i tried to reach out to cashapp through email no one responded. and they do not have a number that you can talk to someone. This money was my hard earn money from my salary to take care of my family but just disappeard. will be very happy to see this people refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Again, Chase has looked my online account, denying me access to my money. This has happened several times, the last time being two weeks ago. 

The number that they post on their website is incorrect, and I had to be transferred twice. There are long wait times every time. 

Then, every time, the answer is that I have to go to the branch. That is very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have various credit cards all major companies such as XXXX, XXXX XXXX and etc. Although we are in a pandemic in which many are losing their jobs and unable to pay their bills, however I am not in that situation, I have two jobs by which are thriving in the mist of the pandemic. Plus my wife makes a substantial amount of money as well so as a house hold we can support and pay any and all credit debits. However, I received a letter from fifth third bank stating that they were decreasing my credit limit from XXXX to the amount that has been used already on my credit card so that makes my new credit limit decreased to {$1600.00}, which now appears as if my credit card is maxed out which also decreases my credit score. I always pay my bills on time never been late and always pay ahead of time and never pay minimal due. Out of all the credit cards that I have, this is the only one that felt the need to decrease my credit limit amount which not only hurt my credit score, but also my situation. I been using my credit cards more lately because my father has been sick and I have traveling more often than usual to take care of family matters. I felt what fifth third bank did was selfish, untimely, unethical and influenced by pure speculation and assumptions to where I couldn't handle my debit by which I can, I have been a good customer. However, as a consumer, discriminated against, I was feeling as if it was almost racially motivated, and therefore I am very offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I received zero communication nor notice from this Commonwealth Financial regarding any outstanding debt or collection amount. I tried to call the number listed for the collector as soon as I saw the mark come up on my credit report on XX/XX/30. I was completely blind sided as I was never told or informed of any amount being owed to Commonwealth Financial or XXXX XXXX. After I saw the derogatory remark on my credit report as it is the only reference to this debt and option to contact the agency to inquire about the debt I was completely unaware of. When I called XXXX multiple times, it would play an automation after one ring and state " nobody is available to take your call at this time '' then immediately disconnects/hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
There was a wrong and fraudulent collection on my credit report from XXXX for the amount of {$430.00}. This is a collection agency that seems to be engaged in XXXX. 
I made many requests and efforts to clear the information since XX/XX/2020, but credit bureaus just confirmed with the collection Agency, the XXXX, and reported the collection as correct.

Company response to consumer: Closed with explanation