vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: FL

Complaint narrative:
I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. 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 2021-04-15 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: FL

Complaint narrative:
I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been calling Experian for the last couple of months. I have talked to AT LEAST 50 representatives. No one can tell me why I am unable to view my credit report. My mortgage lender is also trying to run my credit report and they get an error message from Experian. Experian says I can't see it because my account isn't active. Then when they go to activate it, it doesn't work. So then they transfer me to another person and this happens over and over again. I am unable to see my credit report on Experian.com and on XXXX. Experian customer service is very bad. Some people hang up on me, no one ever knows what to do. They tell me they can send my credit report in the mail, but I have never received it months later, multiple different times. I ask for a supervisor and they never call me back.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We inquired about refinancing our home mortgage with Truist Bank aka SunTrust or BB & T who was our lender at that time. Interest rates were going down and were told it wasnt a good option for us and it might not be possible. So we worked with a different lender and refinanced lowering our interest rate by nearly two points. We closed with the new lender and the loan with Truist was paid in full and we received conformation of this via e-mail from Truist and were told it would be 7 10 days and the Escrow Balance would be processed and sent to us. Two weeks later I called after we received the monthly mortgage statement in the mail showing a XXXX balance and the escrow amount owed to us, Our Money, Not theirs. I have called their customer service line and spoken with representatives and requested a supervisor once a week for six weeks and have now been provided an escalation case number. They claim to have sent my escrow funds to me on XXXX XX/XX/2021 yet it still has not arrived and they claim they cant provide me written proof or documentation that they ever sent the check. Their current claim is that covid is slowing mail delivery and thats why my check has not arrived in the past 16 days. On Monday XXXX XX/XX/2021 I sent a check via snail mail from CA to MD and it arrived Wednesday XXXX XX/XX/2021 so this can not be true. They have now exceeded the duration to return my escrow funds to me as required by federal law as the refinance closed at XXXX XXXX XX/XX/2021. Truist Bank aka SunTrust Bank or BB & T is known and documented as being a lender that holds money owned to clients and customers so they can earn interest on those funds as long as possible and delaying the lawful return of customer and clients funds to them not only to gain the interest but to deny and prolong the time when the owner of those funds has access to them almost as a form of retaliation for changing service providers. Their actions are not only unlawful and criminal they are unethical.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
During a XX/XX/XXXX phone conversation, an HP Sears employee claimed that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of XXXX, which is an error. Without confirming the facts, The HP Sears employee threatened me by saying that HP Sears was going to place this claimed amount for ( act # XXXX ) on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX Credit Card ( see attached XXXX  invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.

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 2021-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was notified that Synchrony closed my XXXX XXXX VISA credit account due to number of dishonored payments. This came to a surprise since this account has never experienced any fraud. 

On my PayPal Credit account, I experienced in XX/XX/XXXX ID theft. The perpetrator ran several attempts to access my bank account through ACH. I filed a claim with my bank ( credit union ) at the time. It was subsequently resolved, and my PayPal credit account was reinstated. I have diligently made payments throughout this process. 

After a recent review your bank terminated both accounts with XXXX score ramifications due to ID theft ( fraud ) and not my own personal mismanagement of my account. Much to my surprise not only has Synchrony Bank discontinued that credit account which had already been resolved, now I learn a totally unrelated account, XXXX XXXX Visa, is closed as well. All based on fraudulent transactions which you bank failed to prevent. 

I have Resubmitted dispute claim with my credit union, a copy of my account statement, PayPal statement and the two letters sent by Synchrony Bank for the PayPal and XXXX credit accounts. 

I am being penalized for ID theft. These account closures have violated me yet again. I have been a faithful and current customer for both accounts, yet here I am being penalized for their actions of last XXXX. 
Since I have been in good standings and acting in good faith the entire time, I would like both of the accounts reinstated so I can use and pay them accordingly. I would appreciate it if this could be resolved. I especially do not want adverse marks on my credit scores, due to fraudulent and deceitful actions by someone else. 

Called on both accounts only to be dismissed and told there is nothing for Synchrony to do, Simply put your account is closes - no resolution, I submitted formal complaints in writing and via fax and asked for restitution for both accounts since this resulted from ID theft and fraudulent misuse of y credit account. 

I am being violated yet again for the original fraudulent acts in XXXX of 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 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Before I start I want to notify I reported what happened to the XXXX XXXX County Police on XX/XX/XXXX : The report was registered from Cpl XXXX # XXXX Report # : XXXX Phone # : ( XXXX ) XXXX - XXXX email : XXXX On XX/XX/XXXX I applied for a job on XXXX  : " XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD '' The day after I received an email from XXXX XXXX Subject : XXXX XXXX XXXX ( invitation to interview ). 
I followed the instruction creating a gmail account and contacting on XXXX Ms. XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. These people I just named ended out to be fake people who were able to steal {$5400.00} of my money because my bank, Capital One, missed to communicate me that the checks these fake people sent me, were not covered, instead the morning I went to my bank for the withdrawal my account showed the money had been deposited. Misled by the wrong information I trusted these fake people and withdrew {$5400.00} from my account and deposited it on an account on XXXX XXXX. After that, these people disappeared and the checks I previously deposited on my bank account were reversed. 
All documents I am attaching have been filed in the Police Report. 
I spoke to the branch manager who told me the bank is not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: AZ

Complaint narrative:
I disputed with Experian Credit Bureau, my credit report that is reflecting, XXXX XXXX XXXX as closed written off. I disputed this item and the problem was not fixed on XX/XX/2021 and XX/XX/2021. 
I have settled this account as full and provided Experian with the settlement letter. This should reflect as, >Account paid in full ; was a charge off<. Since it was a charge off they are claiming that the account is not satisfied. I have provided all necessary items of the settlement letter reflecting satisfied to all three credit bureau 's. XXXX  has done a wonderful job at updating the pay status to : >Account paid in full ; was a charge off< and left the remarks as is. I am still waiting for the proper time with XXXX  and their process time. However Experian will not acknowledge my documented proof that the account has been satisfied.

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 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/2021 I called Hyundai Motor Finance to transfer my title held by them from XXXX to XXXX. They sent me an email to respond to with the documents the need to send to XXXX. XXXX gives me 30 days to register my vehicle after moving. On XX/XX/2021 I went to the DMV to see if they received the documentation from Hyundai Motor Finance and they did not have it. I then called Hyundai Motor Finance and they had no record of my transfer request and they could not contact anyone in their title department to find the request. They told me to resubmit the request which could take another 15 business days to process. There was no one I could escalate to that could contact the title department to fix the issue with their process. This is unacceptable as my insurance called me to end my policy since my car is registered in a state I don't live in. My registration also expires on XX/XX/2021 which I am unable to renew since I no longer live in XXXX. Now because Hyundai Motor Finance dropped the ball I am unable to drive my family 's only car.

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 2021-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
3 weeks prior to XX/XX/2021, Capital One has locked my online access. I have contacted Capital One 10 times, totaling 10 hours to resolve the matter. I have provided my social security card, my state issued ID, and I have written letters to Capital One, per their requests. My name is XXXX XXXX. I also go by XXXX XXXX. My phone number is XXXX. Capital One has for 3 weeks now asked me to wait a few days each time I have called them, to allow the account to update ; I would then have access. I have asked for their legal departments information, but I have received only a correspondence address. My issue goes far beyond general correspondence! I have not received letter with an apology from Capital One. I have bot received calls from Capital One apologizing for the situation. I am tired. I am truly tired. I have done everything Capital One has asked me to do, and I am past stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I ordered two items XX/XX/XXXX on Saks off 5Th online. I never received the items, I called Saks Off 5th to inform them that I didnt receive the two items and they were going to ship the items to me but they did not have them in the size I needed them in, so I was told that my card would be credited back for the items. I received an email on XX/XX/XXXX that I will receive the credit to my account and it show up in 10 business days. I thought the issue was resolved until I received a bill in XX/XX/XXXX, I called in XXXX and was told that it was taken care of. I started receiving collection calls about it so I called again in XX/XX/XXXX anXXXX XXXX  more times in XXXX, each time I was told it would be taken care of. I got a bill in XXXX which lead to another phone call and to me filing this complaint. This company has reported negatively on my credit and Im extremely disappointed. I call and Im placed on hold for hours for them to be dishonest with me. I offered to forward them a copy of the email but they give me email addresses that cant receive emails. At this point Im ready to take action against their predatory actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to contact the original creditor but I'm not recieving any responses. The company is in negligence for not responding and is in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to contact the original creditor but I'm not recieving any responses. The company is in negligence for not responding and is in violation

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Bank continues to insist that I owe them money based on no more than billing statements that were mailed to my address with my name and address demanding money owed and no proof of signatures or contractual sign agreement! Just a letter demanding I owed money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CA

Complaint narrative:
I have been trying to get XXXX  and Equifax to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have tried contacting GM Financial regarding an old account I had with them for a leased vehicle. I returned the car on time and they say I owe money on over milage but they never gave me a form or contract to sign stating this. I have called and tried to request this form or contract and they say they dotn have one to give me. They also refuse to close the account on my credit report which marks me late or no payment if I dont pay them over {$400.00} a month. They do not send me monthly statements and never call or email me for payment. If I owe them money for over mileage, I need a form or contract stating this and agreeing to the terms of the payment. I have asked to speak with a manager several times, and they transfer me and I stay on hold for over an hour and still no manager comes to the phone or picks up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi everyone.. I joined here to know more information and to give information..I applied edd for myself on XX/XX/XXXX online I couldnt do it I called them i was told you will get your money i was confused asked them I didnt even apply I called you guys for apply!! They said no way!! You had existing account from last year.. i was shocked and they asked me few questions some got matched with my information some didnt as in my email address and phone number didnt match.. then they found out my ex husbands email address and phone number there ... it was really shocking for me.. they gave me fraud department number website i filed report and I called thousand if times couldnt reach them.. I called bank of America they closed the account or freeze the account they checked he transferred all the money to Bank of America to his checking/savings account.. I asked them to help me they said only edd can help me!!! I called edd millions of times XXXX didnt even got anyone.. I filed police report for identity theft and fraud.. detective contacted me i told everything bank statements where it shows he transferred all the money to his bank after everything they are not helping me.. i am single struggling mom.. I dont work i have toddler.. I applied for job not getting any.. it seems like no one is helping me.. why?? I heard always no on can escape here.. but for me it seemed like really easy for criminals because there is no justice for victims..

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 2021-04-15 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: CarMax, Inc.
State: GA

Complaint narrative:
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with CarMax XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that CarMax XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to XXXX, XXXX  and XXXX  for multiple years. ( Letter is Attached )

Company response to consumer: Closed with explanation