vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I opened an account with Suntrust in XXXX, Florida. Two weeks after the account was opened they automatically closed my account and I didnt know the reason why. For the past 6 years I have been trying to open accounts with different banks only for them to close out my account and tell me that Suntrust was the root of my problem. XXXX  XXXX XXXX informed me that Suntrust put an AFX out which give banks a red flag on my name and I didnt understand the reasoning. Over the years Ive been trying to get answers and on XX/XX/XXXX I found out I was a victim of identity fraud. Someone tried to cash false checks on that account. I tried to dispute it with Suntrust and the told me I couldnt because my account is closed. Im very hopeless and not having a bank account or able to get an account has hindered me over the years. If there is any help I can get from this horrific nightmare I would appreciate it. I am a victim and it has really cost me from being able to grow and have things financially and emotionally

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I just noticed a few issues with the bankruptcy on my credit reports. From my understanding all reporting to your company is supposed to be 100 % accurate, but for some reason, the accounts listed inside of this bankruptcy is not reporting correctly. They are reported wrong. Please investigate the accounts listed below -- PUBLIC RECORD CREDITOR : US BKPT CT CA XXXX XXXX ACCOUNT INFO : REFERENCE NUMBER : XXXX -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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX  in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing the same account for about 6 months now and I have not received any results to resolve my issue. 

XXXX XXXX has charged off an account, but there is still a balance being reported. 

If in fact XXXX XXXX has charged off this balance then I would owe nothing, because this account has been charged off. 

I have also disputed this account multiple time and there is no indication that XXXX  has placed a " in disputes '' comment. 

How is this account coming 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 2020-06-10 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: SLM CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : SALLIE MAE XX/XX/2019 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Like to use financial software to budget my money. PNC will not work with apps such as XXXX XXXX and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I mailed in a payment via money order on XX/XX/XXXX for XXXX. It was cashed by Avant on XX/XX/XXXX but never applied to my account. I have called numerous times and I was told to email customer service at XXXX. I have emailed a picture of the money order stub and followed up with emails requesting help. Sometimes they will email me back and tell me to call the 800 number. When I call they tell me to just log into my account online to watch for the payment to post. I emailed XXXX XXXX and XX/XX/XXXX. I have called at least once per week since the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
A fraudulent medical account is reporting by Capital Accounts LLC on my XXXX credit report for {$140.00}. I have never visited XXXX XXXX XXXX. I have filed a police report with the XXXX Police Department, Report # XXXX to support my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION blocked some accounts that should be reporting on my credit file and dropped my score almost 40 pnts!!!!!! For no REASON!! I want these accounts put back on my file XXXX/XXXX   XXXX  # XXXX {$12000.00} limit XXXX XXXX XXXX XXXX # XXXX {$3000.00} limit XXXX XXXX  XXXX  # XXXX {$4000.00} limit I am attaching proof that cards are mine, please re-insert these accounts immediately and re-score my file

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 2020-06-10 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
first i started by speaking with walmart and they have stated they did not process 2 charges to my card - they have only 1 transaction so they can not issue a refund - spoke to capital one customer service on the phone twice - 1st time the csr could see that i was double charged - admitted that i was double charged but said she could not fix it and that we needed to talk to another crs - left me on hold for 3 hours - 2nd time i got walmart involved we were on hold for over 2 hours trying to get to capital one csr - he was supposed to take care of the issue but the double charge is still on my credit card and they are now trying to force me to pay it!! attached is a screen shot of my account showing the double charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: LA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I need help on adding my bank account on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The creditor closed this card, considering that it appeared as a result of fraud. I have had talked to creditor 5 times, they agreed to solve that but in vain, so please remove it from my credit history.

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 2020-06-10 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 have filed a identification theft report and submitted it Equifax and XXXX  and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I was erroneously charged XXXX by XXXX. I immediately notified TCF about the charge. I learned yesterday they denied my claim because I didn't dispute more charges. My account has never been overdrawn due to any fault of my own. To make things worse TCF wnt back and assessed me {$220.00} worth of fees after they negligently closed my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
I have filed a identification theft report and submitted it XXXX and Experian and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card

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 2020-06-10 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: NY

Complaint narrative:
I acknowledge that I am the individual making this complaint under my rights per federal law. *Not a credit repair company Equifax is involved in an egregious action action towards me. Violation federal law section 1681 of the FCRA rules. 

An account under the name ( XXXX XXXX XXXX XXXX ) original creditor : ( XXXX XXXX ) has appeared on my credit report for the 6th time this year XXXX. 

This account was added to my credit report in & around XX/XX/2020 without notice of reinserting 5 business prior as required by federal law. A violation of FCRA rules section 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I was put into a car loan that I never sign. I have evidence that the manager of the car dealership had someone sign the papers in my name my husband got a loan with the company name credit acceptance but not me and some how my name was put into the paperwork. I need this of my credit report sign I never agree or sign for this 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 2020-06-10 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I review my report and I saw this account reported inaccurately. XXXX and XXXX late on XX/XX/2018 and XXXX is late on XX/XX/2018. I don't remember being late on this account cause I always paid on time. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is second CFPB complaint against this creditor. Purchased vehicle new XX/XX/XXXX. Consumer was a payment behind on mortgage and turned down by my bank. Dealer suggested approval with this lender to save the sale. Advised consumer to keep payment history good for 12 months and then refinance out of this high-rate loan. 

Consumer contacted lender to change due date from XXXX to XX/XX/XXXX. In order to refinance payments were made on time and extra payments made towards principal from XX/XX/XXXX to XX/XX/XXXX. 

Consumer made payments on bi-monthly schedule that corresponded with payroll. Lenders accounting system is unable to handle the partial payments and misapplied them. Bill is always in arrears and no idea where extra payments are applied. 

Consumer requested an audit of account XX/XX/XXXX. Consumer credited for extra payment for XX/XX/XXXX. For XX/XX/XXXX, lender states account is past due after the audit. Lender states a payment for XX/XX/XXXX was not received. However, lender reported to XXXX, XXXX, and XXXX  that consumer 's account has been paid as agreed from XX/XX/XXXX through XX/XX/XXXX. Account was never late. Therefore, the alleged " missing '' payment for XX/XX/XXXX, was not reported to credit bureaus as late. 

Consumer expects that payments were not applied properly due to deficiency in lender 's accounting system that does not support partial payments. Consumer also suspects that this lender consumed extra payments in fees. 

Consumer has maintained a stellar payment history with this lender. Although extra payments were made for the majority of the servicing period, consumer is unable to impact the principal balance in order to refinance. This is a good consumer in a bad loan and the lender wants to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
A company by the name of Midwest Recovery System has reported I owe {$550.00} from a Credit Card with XXXX XXXX XXXX I had 2-3 years  ago. I paid this account off with a settlement payment with the creditor. 
Within the last 45 days, I received a letter from a collection agency stating I owe a balance of {$550.00} to XXXX XXXX XXXX. 
I explained to this collection agency that I paid this balance. The rep stated he was contacting the company that was handling my account. I also requested a copy of my bill and someone to contact me regarding this bill. 
Since my last time talking with the collection agency 45 days ago, I haven't back from anyone since through mail or phone. 
Today a collection account appears on my credit file even though I have requested this account be reviewed and I be sent supportive documentation regarding this balance. 
This collection agency has violated the Fair Debt Collection Practices Act by not providing me with my requested documentation to prove this debt is indeed owed. They just applied to my credit file as a collection to show negative activity rather working with me to correct this debt myself. 
I haven't heard anything from the original creditor or any other agency for 2-3 years and now all of a sudden I owe money. I need proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have an account with XXXX XXXX app which transfers small daily withdrawals from my account to place in a savings, but PNC has implemented a new block process that prohibits XXXX  from making the daily withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Advantage One Credit, LLC
State: FL

Complaint narrative:
Fraud for employer of XXXX  XXXX XXXX XXXX XXXX ex convict for robery cibernetic and unknown person XXXX  This persons alterate and robery this pay mounth due the one credit one make for me.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO

Complaint narrative:
My husband was contacted by XXXX from IQ Data International on his work phone in the middle of a work day. He then asked her to speak with me as I do the finances. XXXX then proceeded to ask him several questions regarding how much money he makes, how much money I make, the price of our mortgage. My husband repeatedly asked her to reach out to me, XXXX then put him on a hold to see if that could happen while she consulted with her manager. Her manager then threatened my husband with an evasion of debt if we didnt respond in one hour and persisted he stay on the line. My husband disconnected the call as he was in the middle of his job. I then contacted IQ Data after my husband informed me of this and was transferred to XXXX. XXXX was extremely unprofessional in her mannerisms as I asked her to verify the debt, she accused me of not changing my address upon moving. Given her tone, I asked to speak with someone else, XXXX refused to transfer me initially. It took several times of asking to speak with someone before I was finally transferred to a voice mail. I then left a voice mail stating I would be interested to discuss this with someone other than XXXX and to return my call. Nobody ever returned my call. I tried several times to contact that office throughout the day and the phone line would just disconnect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I send a certified mail letter to New Rez LLC d/b/a Shellpoint Mortgage Servicing and request pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f )  requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request. Shellpoint Mortgage Servicing send me a letter dated XX/XX/2020, and Notice of Default and Intent to Accelerate dated XX/XX/2020. 

Shellpoint Mortgage Servicing did not send me pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f ) requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation