vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have four accounts with Capital One. Two Joint Accounts in my and my wife 's name. One is a Youth Savings account in my son 's name. The fourth is a business savings account. 

All ( 3 ) personal accounts are frozen with this message : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number on four separate occasions. Twice I gave up after nearly an hour wait time. The 3rd time, someone picked up and affirmed my accounts were on hold. She was unable to determine why and transferred me into a perpetual queue. The 4th time was today, Wednesday XX/XX/XXXX. The lady at Capital One followed the same process as the 3rd time - but I declined the transfer and requested a Supervisor. 

XXXX was the supervisor. He was nice. However, he could provide me no information. He indicated that the accounts are frozen at that is all he had access to, that I would need to speak with the other department, and 'YES they do have extremely long hold times '. I declined. 

On XX/XX/2020 I mailed them a good old fashioned letter in the mail to : Capital One, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX So as it stands - Capital One has frozen my accounts with ZERO COMMUNICATION. I have contacted them on ( 5 ) occasions ( four calls and one print ). I have yet to receive any communication from them as to why they are doing what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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 — Problem with personal statement of dispute
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Lendmark financial called me to make a payment. I told them ok ill pay it off now. I was told by the rep who called me she didnt know how to take payment over the phone. I asked her for payoff amount and she gave it to me and someone will call me back. When they called me back i was out of town due to a death in my family. I called them back and let them know I will call them as soon as I am back home to pay. They agreed. When I returned home I called to payoff and received a higher payoff amount and was told it was a new rep who gave me wrong amount. After I paid that is when I realized they reported me paying late after agreeing I would pay when I return. Given that I paid off {$4000.00} at one time after given that payoff amount. I am hit with another {$100.00}! They should be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My husband and I contacted Transworld Systems ( TWS ) today after seeing 3 collection accounts on my credit report. The first represenative was very helpful and explained that we had 14 accounts actually and 11 for some reason were not reported. When I asked the reason 1 account would be reported while another is not her could not answer and actually suggested I contact my own credit specialist ( as if they would know the reporting policy of TWS. ) I then agreed to pay all 3 accounts in full today in exchange for these 3 being removed from my credit file as the other 11 they claim to have are. I additionally agreed to make a payment arrangment on the other 11 accounts. Unfortunately the represnative I believe XXXX was his name couldnt accomodate the request so he transferred me to a Manager named XXXX. At this point my husband was handling the phone call and when the manager asked if my husband was me I was out of the room so he said yes. XXXX became irritated and question my husband as he clearly sounded like a male, I at this point re-entered the room and got on the line indentified myself and explained to XXXX that I needed to get back to my home office and my husband would handle the payment. He called my husband a liar and refused to speak with either of us at this point, repeatedly calling my husband a liar and then he hung up the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Those accounts were never fully legally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Those accounts were never fully legally investigated.

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 2020-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX  contacted me about a card they said I had back in XXXX. They said it was issued to me, this was not a card I had applied for. They gave me the original count number and the original company. I contacted the original company they told me that the card was sent out I am returned twice to them unopened. However there were charges on the card. The address the card was sent to I was not living at XXXX of XXXX. So not only did I not apply for the card, I could not have received the card, and it was returned to them unopened. I don't understand how the original company did not see that an unopened card envelope had charges on it and investigate this back in XXXX. I tried to explain this XXXX  the lady didn't believe me put me through to her supervisor who also did not believe me and hung up on me it's an emotional time I not working I'm not getting my unemployment I try to explain this to them and put them telling me that they're sending somebody out to serve me for a complaint to me this is scare tactics that are not needed especially in a time like this she gave me the information for the card then they are nasty with me telling me that was that company no longer owns the card I informed them that I was contacting them back and let them know that the company was investigating are there end the fraud use of the card so I can clear my name they didn't want to hear any of this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX, I had an issue paying such a small balance on my Discover credit card. I have an excellent long standing history with all my credit cards. In XXXX I was not able to make my payment, which caused my to go late for more than 30 days, thus my account was reported to the credit bureau for a negative impact on my credit report. I XXXX from XXXX when it was beginning here in the USA at that time. I was at the XXXX and I recovered after a months time. I was not able to make the payment. I called Discover and they were no help at that time, there was no deferment back then or any sort of help or understanding to my situation. Discover refused to help and instead reported me to the credit bureau negatively impacting my credit report when I had perfect standing! I want a resolution in good faith as this was an emergency and one time occurrence to resolve this in removing this negative report from my credit report as it has impacted my credit score and information to all potential lenders/banks. Now with the hardship of how COVID is now, I would really appreciate the help and resolution with Discover to put my account back in good standing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
From the probate cases starting in XX/XX/XXXX, the loan has been sold four ( 4 ) times to other loan servicing/Lending companies. Throughout each sale of the note I've been fighting to not only stop foreclosures but have not even be acknowledged by the lenders as the Owner of the property which I was granted through a Affidavit of Heirship. 

From the Probate Hearing as far back as XXXX, XXXX XXXX XXXX represented each Lender and failed to maintain commitments at court discussions allowing me the Owner to conduct the business of the mortgage, including collecting payoff quotes, establishing payments and disputing charges. 

Approximately, in XXXX of XXXX the Substitute Trustee XXXX XXXX XXXX of XXXX XXXX  representing the current Lendere Planet Home Lending , LLC received an offer from my lawyer XXXX XXXX at a reduced amount from the payoff. Mr. XXXX as seen in the file named " Delayed Response '' did not respond to the offer. It was common practice to deliver responses so slow that when we received them such as in payoff quotes the quotes were expired. All of this activity was under the distress of threatened foreclosure. Prior to this date, I had Buyers lined up and my efforts were ignored. 

Within this struggle, approximately in XX/XX/XXXX, I empowered XXXX XXXX and XXXX XXXX, agent in the amount of {$2000.00} ( proof of payment available upon request ) to file a Qualified Written Request on my behalf with the intent to stop the foreclosure, bring the loan current and sell the property. As you see, by the file attached named " LOI & QWR ''. These individuals did not engage with any result. In fact, I can not validate that they even sent the third party authorization form to the Lender. 

As of this afternoon, when I tried to reach my point of contact at Planet Home Lending , LLC " XXXX '' in the loss mitigation department. I was informed that I am not authorized to receive information on behalf of the Borrower, my deceased Uncle. Please see the attached file named " Special Warranty Deed '' which identifies me as the rightful property owner which was also prepared by XXXX XXXX XXXX dated in XXXX. 

All-in-all, every time I get close being recognized as an authorized party to the Loan, it gets sold to another Lender who then starts the foreclosure process all over again. I have spent over {$10000.00} in legal fees and other costs just to get recognized as the rightful Owner and the authorized person to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
See attatched # XXXX XX/XX/XXXX Experian Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY XXXX should be illegal ) Kindly Note XXXX XXXX XXXX  ( *Partial Acct # XXXX **DATE OPENED XXXX XXXX Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. XXXX CHANGED NUMBERS. 5 years later ALL XXXX MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH XXXX OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.

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 2020-07-01 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: DC

Complaint narrative:
I opened a XXXX XXXX store card in XXXX of XXXX. I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. XXXX XXXX account team did not help me as they kept me reverting back to some collections agencyXXXX XXXX posted many months of late fees on top of the ~ {$110.00}. the late fees added by XXXX, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. XXXX XXXX horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with XXXX XXXX customer service then XXXX XXXX  ( XXXX uses for their store Card ) and spent hundred of hours trying to resolve. XXXX XXXX customer service has been giving me different numbers each time I call. I filed a fraud claim with XXXX XXXX explaining that my card was stolen but no support came in from XXXX XXXX at all. It's XX/XX/XXXX and I still do not have any support. XXXX XXXX customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX XXXX XXXX gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

XXXX has harassed my mentally and physically with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as XXXX XXXX have constantly failed me and I and begging for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank sent me a notice stating that they made a business decision close my checking and savings account. I have over $ 40K in my accounts, am an active client, and have never been in deficit. There is no justifiable reason for them to close my accounts. They only gave me a couple of days notice, which gave me little time to open a new account with another bank and redirect all of my direct deposits and bill payments. On top of it all, there is no time to transfer my funds electronically to my new bank because it will take 3-5 business days to validate the new account, and Ally will close my accounts before the validation process is done. I have no choice but to wait for a check in the mail for all of my checking and life savings, with no guarantee or security that the check won't get lost in the mail or ability to expedite the process. I was told to expect the check within 7-10 business days, leaving me with no access to any money for over a week. Their customer service was useless and I was given contradictory information on each phone call. No one knew what to do or how to help me other than just saying they apologize for the inconvenience. I'm infuriated at Ally Bank 's actions and am at a loss of what to do.

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 2020-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
On XX/XX/XXXX I received a phone call stating that I owed for a credit card that I have never heard of named Juniper Bank, the company that says that they are going to sue me for an amount of {$1000.00}. I tried to search for the company named XXXX XXXX XXXX XXXX they called me through 3-4 different area codes and states. The names of the ladies that called and threatened me was XXXX XXXX and XXXX XXXX. They stated that the credit card that was owed for was from XXXX of XXXX and that if I didn't give them a credit card payment over the phone right then, that they were going to have my wages garnished.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX criminal XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, XXXX, transunion. This four criminal companies are holding my information without my consent.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX criminal bank institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, Equifax, XXXX. This four criminal companies are holding my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX and unknowing experian, XXXX, XXXX. This four XXXX companies are holding my information without my consent.

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 2020-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX XXXX knowingly Booked & Charged {$90.00} for Hotels in XXXX During COVID 19 Shutdown in XX/XX/2020 when Borders are Closed & Bank of America Reversed & Recharged on XX/XX/2020 to my Credit Card -- -- XXXX. Its a Faudulant Charge when Borders are Closed & Travels is Prohibited for US CITIZENs to 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 2020-07-01 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:
On today, XXXX, I attempted to access SunTrust Online Cash Manager in preparation of remitting {$5600.00} rent payment and payroll for my XXXX employees due on this week XXXX. I noticed that I was not able to access Online Banking, despite the fact that I changed my password on several occasions, this prompted me to move forward with calling Customer Service. I was then advised that my account was closed without any notice. I have rent and payroll due this week and they will not give me access to my funds, funds in the amount of {$170000.00}. I have called several times on today without any remedy from SunTrust and have went to the bank 's Branch as well and they were not able to assist me by releasing my company 's funds.

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 monetary relief