vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6300.00} -This is not my 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 2020-04-02 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries.

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 2020-04-02 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries.

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank in XXXX, North Carolina, has closed its doors and requiring locals to drive between 12 and 18 miles to go to an open branch. They are using Covid 19 as an excuse. Consequently, the elderly, the working poor and those without transportation are now precluded from conducting financial transactions. Exactly how can people deposit the stimulus checks when the bank is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: OR

Complaint narrative:
On XX/XX/XXXX - I returned a water cooler dispenser and was promised a {$200.00} credit by the collection agency Collection Bureau XXXX XXXX ( see email on XX/XX/XXXX ) if it was returned. XXXX XXXX ( XXXX  ) who owned the equipment and was the original creditor picked it up I have sent emails to XXXX XXXX and then they tell me to contact to Collection Agency. I am getting the run-around and have yet to see the credit promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I need your help! Portfolio Recovery associates, LLC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. Damages are : legal advice expenses, not being able to obtain loan, emotional stress. legal advice expenses, not being able to obtain loan, emotional stress. Two serious violations are : 1. Reporting an incorrect opening date 2. Post charge-off interest. Please forward the attached documents to Portfolio Recovery associates, LLC. Thank you so much. 


PLEASE FOWARD ATTACHED DOCUMENTS TO TO PORTFOLIO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been trying since XX/XX/XXXX to contact Citibank Mastercard in  order to resolve a problem with accessing my account information. My statement is not available online. Additionally, he card number Citibank shows on my online account does not mach the physical card number. They are not responding to online chat, email, or phone contact. System says there is an " unusual call volume '' and disconnects the phone call. The " contact us '' page on the Citibank website is completely blank and appears nonfunctioning. I finally made it through the phone system tonight, resulting in being placed on hold for an hour and thirty minutes. No representative has picked up the phone.

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 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
- XX/XX/XXXX Got a letter my property taxes were delinquent from XXXX County. 
- XX/XX/XXXX I called PHH Mortgage to see what happened to the check as the money had been taken out of my escrow account. I was told it was dispersed XX/XX/XXXX. 
- XX/XX/XXXX Called again, was told to call back on Friday. 
- XX/XX/XXXX Called and talked to XXXX. She sent me to XXXX, an escalations manager. He said he would " make this top priority but needed some time. '' - XX/XX/XXXX XXXX called and left a voicemail, said they " needed more time. '' - XX/XX/XXXX Talked to XXXX, who connected me to XXXX XXXX, another escalations manager. She told me she would take over the case. She wanted me to fax her a copy of the delinquent tax statement. I called XXXX County to have them fax it, but they could only email it. 
- XX/XX/XXXX I called XXXX and left a message about emailing copy of statement. 
- XX/XX/XXXX I called XXXX to get her email so I could send her the tax statement. 
- XX/XX/XXXX XXXX called back with email address and I sent her the tax statement. 
- XX/XX/XXXX Called for update, couldn't be connected to representatives because of COVID virus. 
- XX/XX/XXXX Called for update, still couldn't be connected to representative. I emailed XXXX XXXX to request an update. 
- XX/XX/XXXX Still no response or update.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: GA

Complaint narrative:
I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however XXXX & equifax will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Unbelievable how this customer service treated me I called tonight to order deposit tickets which was always free and they want to charge me for something that has always been sent to me for free and then when I have the beyond checking And qualify for free checks they also wanted to charge me horrible I want {$80.00} for this inconvenience they have caused me ruined my night didn't treat me loyal or in the past deposit tickets were always free and then the lady said she is having a hard time with her system and that I should call XXXX XXXX Why when its my bank that has always ordered deposit tickets and checks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have been banking with chase for about 5years. XX/XX/XXXX, i tried using my debit card at the store and it got declined. I called chase bank, only to find out that my account was closed. That week i received my pay check of about {$1600.00}. However, they did not reject the direct deposit. XX/XX/XXXX, my tax refund of {$7200.00} was deposited in the closed account. I would assume that i will be rejected and sent back to the irs. BUT, that was not the case. ITs been weeks and still havent gotten our refund from the bank as promised. We called customer representative soo many times.. they gave us the run around and asked us to call a phone number with a voice mail that never called back.. I only provide for my family with XXXX kids under XXXX. With this hard times, we are struggling to pay our bills.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$3100.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a fixed rate student loan through Wells Fargo. I have a set amount, which I do not have the option of increasing, drafted out of my checking account monthly. I have always made additional principal only payments on previous loans of various types without any problem. This is not the case with this loan through Wells Fargo. With each of the four additional payments I attempted during the first 3 months of the loan, which originated in XXXX of 2019, interest of varying amounts ranging from {$21.00} to {$200.00}, were deducted then my regular drafted monthly payment was applied on the scheduled date with full interest deducted. The regular monthly interest has never been even close to consistent or predictable. One of my extra payments earmarked for principal only was hit with over {$200.00} of interest in XXXX of 2019. I've never had a regular interest deduction on the regular monthly drafts on this loan near that amount. I've made several calls requesting instructions on how to make a 'Principal Only ' payment and each time I'm told that it can not be done. Every loan of every type with various banks, which I've had in my many years as a consumer, have always allowed additional payments, over and above the set monthly draft, to be made and applied only to the principal without having additional interest deducted from those extra payments. Whether this is a student loan, auto, loan, or mortgage loan does not make any difference. They all have allowed principal only additional payments to be applied. They all have allowed me to also set a payment amount to be drafted each month over and above the minimum set by the particular banking institution. This is not allowed with Wells Fargo. Making additional principal only payments to be applied without additional interest being deducted from the additional payment is not possible with Wells Fargo. Every one of the customer representatives ( several ) that I've spoken to and questioned this with can only reference back to the loan interest being compounded daily and even go so far as to speak to me as if I do not understand that interest must be deducted from my monthly payments before principal can be applied. It's exhausting, shocking that these reps are that unknowing of how a proper, legal loan is supposed to be handled and regulated, and it's also offensive to me as a consumer. I've even asked several representatives for a simple amortization schedule for my loan and they each tell me that it's not possible, not available for my loan, and one even had no idea what it was. For a bank not to be able to produce this for a fixed rate loan gives pause that potential illegal activity is at play with my loan.

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 2020-04-02 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
cfpb Consumer Financial Protection Bureau XX/XX/XXXX re :  WELLSFARGODEALERSVCS # XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX Date Updated : XX/XX/XXXX Payment Received : $ XXXXLast Payment Made : XX/XX/XXXX >Account 60 Days Past Due Date< Dispute : The Wellsfargo dealer indicates that i was delinquent 60 days. On XX/XX/XXXX the vehicle was used for a trade and was paid off bu the XXXX XXXX XXXX  ( noted below ) Either the credit union did not give payment to wellsfargo or Wellsfargo did not report payoff in timely fashion. Please review this and remove from my report. 

Thank you, Respectfully, XXXX XXXX XXXX XXXX  XXXX   XXXX # XXXX****XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-02 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: MN

Complaint narrative:
Company : XXXX Suntrust Issue : Student Loan Servicer continues to erroneously report past due payments on 8 federally backed student loans when the accounts were or should have been in In-School Deferment status during all months that are reported " late '' Suntrust was a servicer of 8 of many federal student loans which I consolidated in XXXX XXXX. XXXX  Suntrust is reporting late payments on all loans from XX/XX/XXXX-XX/XX/XXXX as late. The status reported specifically is 30 days, 60 days, 90 days, 120 days ( progressively late by 30 days each month ). Prior to consolidation in 2017, I had multiple loan servicers -- and not one of them reported the loans as late because they were notified by the Department of Education Clearinghouse that I was a full-time student. 

I contactedXX/XX/XXXX Suntrust by phone on or about XX/XX/XXXX. The agent that I spoke with said that the accounts should not be reported as late. I followed the call up with a letter because I had previously filed an online dispute with the credit bureaus to which XXXX Suntrust responded certifying that their reporting was correct. 

It appears that the XXXX Suntrust accounts were deleted from two bureaus because the accounts " aged out. '' However, the accounts are still reporting on XX/XX/XXXXas I got a second notice of XXXX " certification '' that the late payment reports were correct. 

I am submitting this report because I intend to file an action against this company for continuing to report erroneous information after the company was on notice that the status of the loans was In School deferred and thus should either not be reported or reported as on time and current. The Shelter-in-Place directive has brought non-essential federal court proceedings to a halt. I realize the CFPB is not a judicial body. This is to document the timeline of my complaint for statute of limitations purposes.

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 2020-04-02 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Around XX/XX/XXXX, I made my monthly payment for my Target card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that Target had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted Target about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " Target had a computer glitch when my payment was made and the payment did not get posted ''. I asked Target to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if Target had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted Target again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " Target was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted Target on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If Target had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the Target account in XXXX which I was in good standing with my Target account as well as with my other credit card holder. 

Target ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

Company response to consumer: Closed with non-monetary relief