vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. 
B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. 

C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 

1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 
2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. 
Please expediate any other issues that you may find. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have ask for the removing of accounts that is listed as my accounts on my credit profile

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 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Consumer Portfolio. I am so frustrated with them. I turned in a car, and they were supposed to take the money off of the account from the car I turned in. But they never did. The dealership closed, and I have no way of contacting them. I have no idea what in the world Im supposed to do. Nobody ever answers. They arent even doing a real investigation. I dont even owe this money, and they are reporting this account on my credit report as a charge off. Its impossible. They are falsely claiming I have a charge off account with the account number of : XXXX. This is so frustrating. I am an honest man, Ive never done no one wrong. I feel like the car dealership stole that car. Consumer Portfolio has no right in trying to collect this debt. Ive asked for validation and they just ignore me entirely. 

I read online that my rights are being violated and that this is all illegal. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently noticed that my identity was compromised and my bank acct information started changing my passwords and fraud withdrawals, charges were made. I moved out of state and my institutions are located on the East coast. I noticed that suntrust, had duplicated my savings acct number, but used a different product name. Also, I started receiving XXXX info, which I called about, ( XXXX XXXX, suntrust ), I never used the service before, and they never told me who or why I had these alerts. XXXX alone has no contact information for me to get answers, and both of my banks didn't tell me anything. I think I was supposed to get money from a trust or some other personal situation, but still have not. My XXXX acct was attached to my suntrust acct, then it was attached to a XXXX XXXX account. When I asked XXXX XXXX, they didn't have anything to say. I feel like someone took control over my accounts, but no one is authorised to do so. I'm not even sure how long they have hacked my accounts, but I need help asap. Everything is freezing up my money, I have to drive from .ca to dc, just to get my money out so I can pay bills. I'm having a hardship, and am trying to correct it before I lose the only security I have. My info, XXXX XXXX, ( XXXX, XXXX ), other last names I've had Last 4 ssi, XXXX Ph XXXX XXXX. ( XXXX ) old number stolen from me since XXXX  2020 XXXX XXXX  XXXX XXXX XXXX, XXXX .ca XXXX Please contact me with any help Thank you

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 2020-11-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting negative incorrect information on my credit report i have asked them numerous times to correct it and they refuse they keep responding verified with XXXX i have previously attached a copy of my XXXX report showing where it is not being reported on my report but still comes back verified

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, owned by XXXX XXXX, attempted to send me a move out notice. However instead of placing my zip code on both the envelope and letter they placed their own so it was not received. They sent it to Pro-collect collections. I saw it on my credit report and that the original creditor was XXXX XXXX. I promptly called the manager to obtain a copy of the notice, where I found they placed the wrong zip code, and within 7 days of receipt handed them a money order. 
I called Pro collect to tell them that the notices were never received from, any party, and that it needed to be removed from my credit report. 
They informed me that they would not remove it because " I chose to pay the original creditor. ''

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 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Zelle to a vendor that would supposedly buy the software I would need for my accounting job that I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I filed a complain with Zelle an affiliate with my bank to alert them. I notified my bank and a hold was placed on the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent three dispute letters to Experian to get a few unverifiable accounts removed from my credit report. I have sent Experian copies of letters that I received from the companies that they are reporting that I have charge-offs with stating that I don't any outstanding debt with them. As a result of me sending the last three dispute letters to Experian they are now telling me that they will not reinvestigate the same dispute again at this time and if I believe the item is inaccurate then I need to contact the original creditor but at the same time, I've sent them copies of the letters from the original creditors stating that I don't have any outstanding debt with them.

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 2020-11-13 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have the Original creditor, XXXX XXXX XXXX, reporting a delinquency on my credit, after they sold the account to Midland Credit. The issue is that XXXX XXXX is still reporting the account delinquent on my credit, and Midland is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TN

Complaint narrative:
I have ask for the removing of accounts that is listed as my accounts on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TN

Complaint narrative:
I have ask for the removing of accounts that is listed as my accounts on my credit profile

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My mortgage was with XXXX XXXX XXXX until XXXX and was sold to XXXX XXXX XXXX. This month XXXX XXXX service sold my loan to Select Portfolio Services , Inc. Upon paying my first payment, I noticed that had added {$200000.00} to my outstanding balance. I regularly check this so I noticed immediately that it was an error. I called the company and they told me that they were using my XXXX Modification with XXXX XXXX XXXX for the current outstanding balance. I immediately called XXXX XXXX XXXX to get a loan history up until the loan was sold which reflected a total balance of XXXX and my final bill from XXXX XXXX showed an outstanding balance of XXXX. The new server has an outstanding balance of {$350000.00}. I called them and they refuse to correct the error. As you know, increasing the outstanding balance leads to higher payment of interest and less equity so it is important that they represent the correct balance. Additionally, selling mortgages does not allow them to charge me an additional {$20000.00} in the payoff of my loan. I believe that many others are impacted by this as illegal and unethical practices to charge consumers more than they owe. Additionally, I check the XXXX  and there are a large number of complaints almost XXXX in one year and XXXX over three years. They have three 3 class-action suits. I would like some assistance in these practices used to defraud individuals from their homes and charge more money. After this experience and their bad record, I would like to refinance but I can not allow them to make {$20000.00} on the sell of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I received a notice to activate my XXXX debit card along with a debit card in my name. 

Problem is that I never signed up for this service nor have I heard of this company until today. 

I looked the company up online and found a telephone number associated with them that was not the telephone number on the literature in the envelope requesting me to activate my card. 

The representative required me to provide personal identifying information and I declined multiple times. I told them I would provide them with the card number in the envelope and my name and address and that was it. I would not give a " banking '' company I never heard of or solicited for service my DOB or SSN. 

He then told me that he would escalate my issue to his fraud department and that it would take 10 business days for someone to contact me concerning the fraudulent card. Which means that I had to provide my personal telephone number and email address to a banking company with whom I do not do business with. The Fraud Department would only contact me via email that there would be no way for me to proactively contact them. Meanwhile, the account would stay open and potentially be used by whomever it is that is trying to steal my identify. 

According the XXXX the gentleman on the phone I spoke with at XXXX, this is the procedure and there was nothing he nor anyone else could do to to hasten the process. 

When I told them I would be filing a complain with CFPD, he placed me on a prolonged hold - in excess of 10 minutes. They advised me to not file the complaint with the CFPD and instead wait for the fraud department. 

The reference number for my phone call with XXXX aka MoneyLion is XXXX. The call occured on XX/XX/2020 and started at XXXX ET and ended at XXXX ET. The number I called ( which I obtained from XXXX since they are an independent credit monitoring company ) was XXXX. 

The telephone number on the literature I received was XXXX. The literature is slick and looks exactly like something I would receive from a bank that I do do business with. There is a direct deposit slip attached to the literature encouraging me to set up my payroll direct deposit. The company I work for is not affliated with this company and I've had direct deposit set up through my employer for over 5 years. The card is a white card with branding and a chip on the front. The rear of the card contains and account number, expiration date and security code. 

It says that the card is issued by XXXX, Member FDIC and licensed by Mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc.
State: FL

Complaint narrative:
I have 2 accounts with Carmax, Account XXXX and Account XXXX. Account XXXX is being reported to the Credit Bureaus, while Account XXXX is not. This is a positive tradeline but because Carmax is not reporting this positivity, it is harming me and my credit rating. Carmax is choosing to only report the aaccount that is not in a positive standing and this is on purpose on their part to harm me. This second account is a positive account and the account I am referring to that they are not reporting to the Credit Bureaus. So their response to my first complaint is half assed and they did a poor job researching as they are not reporting this account at all to any of the credit bureaus. They submitted a copy of the account XXXX payment history but what about the XXXX account and its payment history and confirmation that they are reporting to the credit bureaus? They are just trying to manipulate this situation and violate my protection as a consumer. 

I am attaching my XXXX credit report for XX/XX/2020 and you will just see the 1 Carmax account XXXX but not the second account as I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Back in 2001 I went to XXXX XXXX XXXX, I was taking computer classes I was there for three months and the loan company is still charging me XXXX which is the total ofthe whole year of college I was only there for three months. navient calls me to make payments. I'm on full XXXX due to XXXX  and XXXX. I tried to work with them and they won't help and I can't afford XXXX 's. I also don't feel that it's fair for me to pay the full amount then I wasn't there for the whole year of education I never got. Like I said I was only there for 3 months what do I do.? The other thing is 2 weeks ago someone called claiming they work for several attourny 's that are suing on class action to get rid of loans people were duped on like me. It has distroyed my credit for many years and still is. I can not pay and refuse to pay the full amount of a college loan. I can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I have the Original creditor, One Main Financial, reporting a delinquency on my credit, after they sold the account to XXXX XXXX. The issue is that One Main is still reporting the account delinquent on my credit, and XXXX is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: TX

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

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 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX  XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXXXXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX  XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.

Company response to consumer: Closed with explanation