vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a followup complaint to XXXX. Total of 5 errors or omissions were listed in the original complaint and enumerated for clarity. SunTrust provided adequate explanations to items 1 to 4, but omitted its response to item # 5. I will repeat item # 5 and request a SunTrust response. 5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review.

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 2020-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
On or about XX/XX/2020, Discover Bank opened a money market account in my name. I did not instruct them to do so. I have asked a manager at Discover Banks XXXX Customer Service group to contact me via phone to discuss this issue, but she has not done so. She ( XXXX ) told me via email on XX/XX/XXXX that she considers the matter addressed since the account has now been closed ; however, I dont believe the situation has been adequately investigated and reported to the appropriate regulatory bodies. This is an account that I did not request, and should therefore raise some level of alarm within and outside of Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. 

On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Amsher collection service falsely reported to credit bureau companies that there is delinquent debt XXXX {$120.00} to XXXX XXXX ) on my credit reports : XXXX  removed the incorrect account of the collection company from my credit report through the dispute process on XX/XX/2020. The collection agency deliberately re-posted the false claims to the other XXXX, XXXX  in order to disrupt the refinance mortgage of mine as the collection agency harassment on XX/XX/2020 ( 1 day after I won the dispute ). The collection company intends to pressure me by damaging my credit score on my refinance process ; inducing the situation to its advantage. 


On the other hand, the delinquent debt to XXXX XXXX, {$120.00} must be false. I filed the relevant complaint against XXXX XXXX through the credit card company dispute, this XXXX. XXXX XXXX refunded me the complained amount in the dispute. However, Amsher collection service seeks to collect the legitimate refund as the delinquent debt in fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC
State: CA

Complaint narrative:
Equiant Financial SVCS has placed an inaccurate collection action on my credit report. They alleged that I owe {$3700.00} and am past due for this balance. However, they have provided no verification of this nor proof that owe these funds to their company. 

The balance is presumably based on a timeshare I previously owned. Two collection agencies ( XXXX and Equiant ) both placed erroneous collection actions on my credit report alleging HUGE outstanding ( past due ) balances owed for my prior timeshare ownership.. 

The balance alleged by Equiant is more than both the original loan amount ( {$2000.00} ) and the annual maintenance fees ( {$500.00} ) combined. Moreover, each month, they place a new action on my credit report alleging that the balance has increased and the payment is late by increasing intervals of time. This is a lie as I do not owe Equiant anything and am therefore CAN NOT be late in paying them. 

At no point did I agree to enter into negotiations with Equiant or concede that I owe any debts to their company. The actions they are now placing on my credit report are erroneous and causing significant damage to my professional and personal livelihood. 

I request that they remove the actions in totality and/or provide verifiable proof that the amounts alleged are owed to them and that they have a right by statute, status, or proxy to communicate and negotiate with me in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, Equifax and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely Experian, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.

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 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Since XX/XX/2020 my TD Bank account has been frozen and my login credentials updated to lock me out of my account. When I called them and went to a branch manager the only thing I was told was that my account was sent to fraud for a fake account. I brought that exact check to a branch in XXXX pa and they refused to even look at it. I called the main td line to figure out why I cant even access my account. All they told me was somebody in td was looking into it with no name or number on file. I have since called them every week at least 3 times a week to no new information. Most of the time I call they hang up immediately after I give my account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I apply for XXXX loan from Bank of America, but Bank of America doesnt email loan documents to me, I call Bank of America many times tell I dont have receive email, I double check my email address with Bank of America, but I never received loan documents, so I dont sign document, I dont have get money, Bank of America Officer is rudely, always tell me dont know why, hang out my phone,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: PA

Complaint narrative:
I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be 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 explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i have a bank account in Wells Fargo. So i ordered my new ATM card since my old ATM wasn't working. i was told to wait for 10 days, and on the XXXX day on XXXX of XX/XX/2020 i got this message of unusual activities on my account, Apparently the new card wells fargo sent me I NEVER GOT IT, i called them directly and told them everything, they deactivated my account but till that point there were 2 authorized and 2 unauthorized transactions. so i was told they will take care of everything but after six seven days i got this mail that my claim has been withdrawn on my request, which i never did. I called them again and asked them why would they withdraw my complaint when i was not the one to do that. they did not try to answer my question instead they reopen it and now after 10 days they are telling me that they don't see any fraud in it, means they are not giving me back my {$820.00} and {$300.00} two authorized  transactions. instead what they are suggesting me now is to talk to the merchant directly and see if they solve my problem. i don't see a reason why i should do that when i never received a card and transaction made on XXXX of XXXX wasn't mine.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi! My name is XXXX XXXX. My date of birth isXX/XX/XXXX. Actually i have a paypal account. I had that account registered for my XXXX direct deposit because I'm a XXXXXXXX XXXX I never had any problem with the account until last month. I lost my card last month and after I realized that I lost my paypal cash card. I checked my transactions on the paypal app. Someone used my card twice at XXXX. I didn't report those transactions because it was not really a big amount. I just locked my card. After I locked my card someone still used it at a gas station so i ordered a new card. I got my unemployement money on XX/XX/XXXX3rd from Department of labor. I got 10 direct deposits and the total amount that i got was XXXX . I tried to tranfer the money but was saying that I have to upload my Id and proof of address to send the money as they put a hold on my account.I uploaded the documents and then I was told to wait 3 days. After 3 days, They said there is some suspicious activity on my account and i can't use paypal anymore and they said I can't take my money out from paypal for the next 180 days. I contacted them multiple times to provide me explaination becuase I never did any thing wrong with my account. They didn't provide me any explaination. It's been a month my account is on hold. I request you to please help me because I was waiting for my money from the past 4 months. I'm a college XXXX. I have to pay my college dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: PA

Complaint narrative:
I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This debt collector called me and left me a detailed voicemail trying to get ahold of my brother. The detailed voice message discussed a debt he had with XXXX XXXX and to call them back immediately to set up a payment plan for the owed debt. It is my understanding this practice is illegal and a debt collector may not contact family members to discuss a debt or give details about it only to locate my family member and call once. In this case, the debt collector had divulged the details of my brothers debt and who it was owed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX 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 2020-09-04 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: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: PA

Complaint narrative:
I recently started taking more of an interest in my credit and I've noticed some fraudulent activity on my credit report. I've gone ahead and submitted a complaint with the FTC. These accounts are drastically affecting my credit report and they do not belong to me. Please remove them from my credit report. I have attached the report with the FTC regarding identity theft.

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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I have been trying to get this resolved for years now. I have retained a lawyer, I called the police and filed a report, I spoke with the company one time but they told me sense I retained council, neither the collection agency nor the original company were allowed to speak to me about the matter. This account or collection or whatever you want to call it was supposed to be taken off for fraud and misinformation years ago but they still have it on my report. I never had association with the charges they had put on my credit file years ago. Its simply not mine. I never received any kind of notification or letter from either company, i assume because the debt belongs to someone else, and they received all the notifications and letter a debt collector is supposed to send out. Again, I wish i had more answers but unfortunately I dont. It has been YEARS that this fraud collection was supposed to be removed. I dont know how its so easy to mess someones life up, and there are no consequences for the big bank companies that ruin those lives. This is a simple fix, but unfortunately over the last few years, Ive come to find out that it is never simple with credit. At this point, I dont know what else to do. I feel helpless and just need 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